Bank Comparison
Texas Heritage Bank vs Franklin State Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Texas Heritage Bank | Franklin State Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 13.97% | 22.33% |
| Tier 1 Capital Ratio | 13.97% | 22.33% |
| Total Capital Ratio | 15.22% | 23.58% |
| Tier 1 Leverage Ratio | 9.94% | 9.60% |
| Equity / Assets | 12.35% | 9.70% |
Profitability
| Metric | Texas Heritage Bank | Franklin State Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.46% | 2.36% |
| Return on Equity (ROE) | 11.79% | 24.96% |
| Net Interest Margin (NIM) | 5.44% | 4.83% |
| Yield on Earning Assets | 6.68% | 6.44% |
| Cost of Funds | 1.36% | 1.71% |
Asset quality
| Metric | Texas Heritage Bank | Franklin State Bank & Trust Company |
|---|---|---|
| Texas Ratio | 0.50% | 8.38% |
| Non-Performing Loan Ratio | 0.06% | 1.07% |
| Non-Performing Asset Ratio | 0.04% | 0.61% |
| Net Charge-Off Ratio | 0.01% | 0.11% |
| ACL / Loans | 1.11% | 1.53% |
Balance sheet
| Metric | Texas Heritage Bank | Franklin State Bank & Trust Company |
|---|---|---|
| Total Assets | $227,127K | $227,230K |
| Total Deposits | $196,251K | $203,750K |
| Total Loans | $166,030K | $116,294K |
| Total Equity | $28,049K | $22,048K |
| Net Income (quarter) | $815 | $1,351K |
Liquidity & funding
| Metric | Texas Heritage Bank | Franklin State Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 84.60% | 57.08% |
| Core Deposit Ratio | 92.51% | 76.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Texas Heritage Bank | Franklin State Bank & Trust Company |
|---|---|---|
| Headquarters City | Boerne | WINNSBORO |
| Headquarters State | TX | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 37 | 48 |
| Established | Oct. 23, 1931, midnight | Jan. 1, 1908, 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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