Bank Comparison
Sharon Bank 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 | Sharon Bank | First National Bank of Eagle Lake, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.91% | 11.35% |
| Equity / Assets | 9.48% | 10.91% |
Profitability
| Metric | Sharon Bank | First National Bank of Eagle Lake, the |
|---|---|---|
| Return on Assets (ROA) | 0.28% | 1.37% |
| Return on Equity (ROE) | 2.82% | 12.54% |
| Net Interest Margin (NIM) | 4.21% | 4.72% |
| Yield on Earning Assets | 6.31% | 5.69% |
| Cost of Funds | 2.00% | 0.98% |
Asset quality
| Metric | Sharon Bank | First National Bank of Eagle Lake, the |
|---|---|---|
| Texas Ratio | 5.40% | 11.34% |
| Non-Performing Loan Ratio | 0.15% | 2.38% |
| Non-Performing Asset Ratio | 0.56% | 1.36% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.00% | 1.93% |
Balance sheet
| Metric | Sharon Bank | First National Bank of Eagle Lake, the |
|---|---|---|
| Total Assets | $170,750K | $170,691K |
| Total Deposits | $141,482K | $151,347K |
| Total Loans | $137,520K | $97,952K |
| Total Equity | $16,190K | $18,629K |
| Net Income (quarter) | $114 | $577 |
Liquidity & funding
| Metric | Sharon Bank | First National Bank of Eagle Lake, the |
|---|---|---|
| Loan-to-Deposit Ratio | 97.20% | 64.72% |
| Core Deposit Ratio | 91.69% | 91.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Sharon Bank | First National Bank of Eagle Lake, the |
|---|---|---|
| Headquarters City | SPRINGFIELD | EAGLE LAKE |
| Headquarters State | PA | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 7534 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 35 | 27 |
| Established | Jan. 1, 1873, 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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