Bank Comparison
Trunorth Bank vs Austin Bank, Texas N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 17
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Trunorth Bank | Austin Bank, Texas N.A. |
|---|---|---|
| CET1 Ratio | 15.99% | — |
| Tier 1 Capital Ratio | 15.99% | — |
| Total Capital Ratio | 16.58% | — |
| Tier 1 Leverage Ratio | 11.42% | 15.03% |
| Equity / Assets | 14.84% | 15.09% |
Profitability
| Metric | Trunorth Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 2.05% |
| Return on Equity (ROE) | 8.56% | 13.64% |
| Net Interest Margin (NIM) | 4.39% | 5.07% |
| Yield on Earning Assets | 5.97% | 6.30% |
| Cost of Funds | 1.72% | 1.40% |
Asset quality
| Metric | Trunorth Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Texas Ratio | 3.17% | 3.28% |
| Non-Performing Loan Ratio | 0.47% | 0.56% |
| Non-Performing Asset Ratio | 0.35% | 0.51% |
| Net Charge-Off Ratio | 0.25% | 0.08% |
| ACL / Loans | 0.53% | 1.42% |
Balance sheet
| Metric | Trunorth Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Total Assets | $3,270M | $3,267M |
| Total Deposits | $2,652M | $2,744M |
| Total Loans | $2,441M | $2,503M |
| Total Equity | $485,360K | $492,945K |
| Net Income (quarter) | $10,297K | $16,550K |
Liquidity & funding
| Metric | Trunorth Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 92.07% | 91.23% |
| Core Deposit Ratio | 88.36% | 90.82% |
| Uninsured Deposit Ratio | 27.95% | 24.72% |
Identity
| Metric | Trunorth Bank | Austin Bank, Texas N.A. |
|---|---|---|
| Headquarters City | PEABODY | JACKSONVILLE |
| Headquarters State | MA | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 5581 |
| Regulator | FED | OCC |
| Domestic Branches | 30 | 39 |
| Employees (FTE) | 282 | 537 |
| Established | Jan. 1, 1888, midnight | Oct. 1, 1900, 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 Trunorth Bank profile | View full Austin Bank, Texas N.A. profile | Browse all bank comparisons