Bank Comparison
Texas Heritage Bank vs Town & Country Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Texas Heritage Bank | Town & Country Bank |
|---|---|---|
| CET1 Ratio | 13.97% | — |
| Tier 1 Capital Ratio | 13.97% | — |
| Total Capital Ratio | 15.22% | — |
| Tier 1 Leverage Ratio | 9.94% | 13.67% |
| Equity / Assets | 12.35% | 12.52% |
Profitability
| Metric | Texas Heritage Bank | Town & Country Bank |
|---|---|---|
| Return on Assets (ROA) | 1.46% | 1.65% |
| Return on Equity (ROE) | 11.79% | 13.77% |
| Net Interest Margin (NIM) | 5.44% | 4.14% |
| Yield on Earning Assets | 6.68% | 5.71% |
| Cost of Funds | 1.36% | 1.74% |
Asset quality
| Metric | Texas Heritage Bank | Town & Country Bank |
|---|---|---|
| Texas Ratio | 0.50% | 0.03% |
| Non-Performing Loan Ratio | 0.06% | 0.01% |
| Non-Performing Asset Ratio | 0.04% | 0.00% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.11% | 1.31% |
Balance sheet
| Metric | Texas Heritage Bank | Town & Country Bank |
|---|---|---|
| Total Assets | $227,127K | $227,138K |
| Total Deposits | $196,251K | $197,698K |
| Total Loans | $166,030K | $149,421K |
| Total Equity | $28,049K | $28,440K |
| Net Income (quarter) | $815 | $967 |
Liquidity & funding
| Metric | Texas Heritage Bank | Town & Country Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.60% | 75.58% |
| Core Deposit Ratio | 92.51% | 86.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Texas Heritage Bank | Town & Country Bank |
|---|---|---|
| Headquarters City | Boerne | RAVENNA |
| Headquarters State | TX | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 37 | 30 |
| Established | Oct. 23, 1931, midnight | Jan. 1, 1932, 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.
View full Texas Heritage Bank profile | View full Town & Country Bank profile | Browse all bank comparisons