Bank Comparison
Peoples State Bank of Velva vs First National Bank and Trust Company of Miami, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 16
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Peoples State Bank of Velva | First National Bank and Trust Company of Miami, the |
|---|---|---|
| CET1 Ratio | 12.74% | — |
| Tier 1 Capital Ratio | 12.74% | — |
| Total Capital Ratio | 13.99% | — |
| Tier 1 Leverage Ratio | 9.47% | 12.59% |
| Equity / Assets | 8.44% | 12.96% |
Profitability
| Metric | Peoples State Bank of Velva | First National Bank and Trust Company of Miami, the |
|---|---|---|
| Return on Assets (ROA) | 1.43% | 2.07% |
| Return on Equity (ROE) | 16.11% | 16.12% |
| Net Interest Margin (NIM) | 3.89% | 5.40% |
| Yield on Earning Assets | 5.96% | 6.02% |
| Cost of Funds | 2.18% | 0.69% |
Asset quality
| Metric | Peoples State Bank of Velva | First National Bank and Trust Company of Miami, the |
|---|---|---|
| Texas Ratio | 1.48% | 4.22% |
| Non-Performing Loan Ratio | 0.21% | 0.18% |
| Non-Performing Asset Ratio | 0.14% | 0.12% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.38% | 1.18% |
Balance sheet
| Metric | Peoples State Bank of Velva | First National Bank and Trust Company of Miami, the |
|---|---|---|
| Total Assets | $206,073K | $206,413K |
| Total Deposits | $187,530K | $178,010K |
| Total Loans | $135,361K | $138,618K |
| Total Equity | $17,394K | $26,744K |
| Net Income (quarter) | $699 | $1,070K |
Liquidity & funding
| Metric | Peoples State Bank of Velva | First National Bank and Trust Company of Miami, the |
|---|---|---|
| Loan-to-Deposit Ratio | 72.18% | 77.87% |
| Core Deposit Ratio | 89.52% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples State Bank of Velva | First National Bank and Trust Company of Miami, the |
|---|---|---|
| Headquarters City | VELVA | MIAMI |
| Headquarters State | ND | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 5252 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 20 | 37 |
| Established | Jan. 1, 1915, midnight | — |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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