Bank Comparison
Security Bank of Texas vs First National Bank of Eagle Lake, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Security Bank of Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.56% | 11.35% |
| Equity / Assets | 12.14% | 10.91% |
Profitability
| Metric | Security Bank of Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Return on Assets (ROA) | 0.86% | 1.37% |
| Return on Equity (ROE) | 6.95% | 12.54% |
| Net Interest Margin (NIM) | 5.34% | 4.72% |
| Yield on Earning Assets | 7.74% | 5.69% |
| Cost of Funds | 2.50% | 0.98% |
Asset quality
| Metric | Security Bank of Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Texas Ratio | 12.75% | 11.34% |
| Non-Performing Loan Ratio | 1.85% | 2.38% |
| Non-Performing Asset Ratio | 1.68% | 1.36% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 1.33% | 1.93% |
Balance sheet
| Metric | Security Bank of Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Total Assets | $168,979K | $170,691K |
| Total Deposits | $146,535K | $151,347K |
| Total Loans | $128,330K | $97,952K |
| Total Equity | $20,511K | $18,629K |
| Net Income (quarter) | $354 | $577 |
Liquidity & funding
| Metric | Security Bank of Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Loan-to-Deposit Ratio | 87.58% | 64.72% |
| Core Deposit Ratio | 84.92% | 91.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security Bank of Texas | First National Bank of Eagle Lake, the |
|---|---|---|
| Headquarters City | CRAWFORD | EAGLE LAKE |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 7534 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 31 | 27 |
| Established | March 30, 1940, midnight | Dec. 30, 1904, 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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