Bank Comparison
State National Bank of Groom, the vs First State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | State National Bank of Groom, the | First State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.35% | 9.93% |
| Equity / Assets | 12.03% | 9.57% |
Profitability
| Metric | State National Bank of Groom, the | First State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.14% | 1.60% |
| Return on Equity (ROE) | 10.22% | 16.92% |
| Net Interest Margin (NIM) | 3.99% | 5.30% |
| Yield on Earning Assets | 6.69% | 6.40% |
| Cost of Funds | 3.08% | 1.05% |
Asset quality
| Metric | State National Bank of Groom, the | First State Bank |
|---|---|---|
| Texas Ratio | 7.16% | 0.71% |
| Non-Performing Loan Ratio | 0.36% | 0.22% |
| Non-Performing Asset Ratio | 0.95% | 0.07% |
| Net Charge-Off Ratio | -0.08% | 0.44% |
| ACL / Loans | 1.74% | 2.36% |
Balance sheet
| Metric | State National Bank of Groom, the | First State Bank |
|---|---|---|
| Total Assets | $60,856K | $60,768K |
| Total Deposits | $53,425K | $54,730K |
| Total Loans | $45,599K | $20,691K |
| Total Equity | $7,321K | $5,817K |
| Net Income (quarter) | $185 | $248 |
Liquidity & funding
| Metric | State National Bank of Groom, the | First State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.35% | 37.81% |
| Core Deposit Ratio | 98.77% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State National Bank of Groom, the | First State Bank |
|---|---|---|
| Headquarters City | GROOM | JUNCTION |
| Headquarters State | TX | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 12742 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 8 | 9 |
| Established | May 1, 1925, midnight | Nov. 8, 1947, 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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