Bank Comparison
Texas Heritage National Bank vs Fieldpoint Private Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 4
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Texas Heritage National Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| CET1 Ratio | 11.09% | 9.82% |
| Tier 1 Capital Ratio | 11.09% | 9.82% |
| Total Capital Ratio | 12.30% | 10.97% |
| Tier 1 Leverage Ratio | 9.94% | 6.59% |
| Equity / Assets | 9.83% | 5.94% |
Profitability
| Metric | Texas Heritage National Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.29% | -0.41% |
| Return on Equity (ROE) | 13.09% | -6.82% |
| Net Interest Margin (NIM) | 3.55% | 2.04% |
| Yield on Earning Assets | 6.71% | 5.07% |
| Cost of Funds | 3.37% | 3.07% |
Asset quality
| Metric | Texas Heritage National Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Texas Ratio | 11.77% | 40.07% |
| Non-Performing Loan Ratio | 1.39% | 2.22% |
| Non-Performing Asset Ratio | 1.28% | 1.54% |
| Net Charge-Off Ratio | 0.05% | 0.00% |
| ACL / Loans | 1.26% | 1.08% |
Balance sheet
| Metric | Texas Heritage National Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Total Assets | $943,826K | $943,648K |
| Total Deposits | $797,313K | $816,007K |
| Total Loans | $797,426K | $645,487K |
| Total Equity | $92,752K | $56,030K |
| Net Income (quarter) | $3,008K | $-954 |
Liquidity & funding
| Metric | Texas Heritage National Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 100.01% | 79.10% |
| Core Deposit Ratio | 81.30% | 97.35% |
| Uninsured Deposit Ratio | — | 14.45% |
Identity
| Metric | Texas Heritage National Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Headquarters City | DAINGERFIELD | GREENWICH |
| Headquarters State | TX | CT |
| Asset Tier | Medium | Medium |
| Charter Class | 4701 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 6 | 2 |
| Employees (FTE) | 112 | 69 |
| Established | Jan. 1, 1892, midnight | April 30, 2008, 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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