Bank Comparison
United Texas Bank vs Brannen Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | United Texas Bank | Brannen Bank |
|---|---|---|
| CET1 Ratio | — | 14.82% |
| Tier 1 Capital Ratio | — | 14.82% |
| Total Capital Ratio | — | 15.83% |
| Tier 1 Leverage Ratio | 15.75% | 5.96% |
| Equity / Assets | 16.25% | 3.64% |
Profitability
| Metric | United Texas Bank | Brannen Bank |
|---|---|---|
| Return on Assets (ROA) | 0.24% | 1.90% |
| Return on Equity (ROE) | 1.51% | 57.25% |
| Net Interest Margin (NIM) | 2.44% | 3.45% |
| Yield on Earning Assets | 5.28% | 4.87% |
| Cost of Funds | 3.30% | 1.45% |
Asset quality
| Metric | United Texas Bank | Brannen Bank |
|---|---|---|
| Texas Ratio | 7.68% | 8.14% |
| Non-Performing Loan Ratio | 0.06% | 0.60% |
| Non-Performing Asset Ratio | 1.30% | 0.33% |
| Net Charge-Off Ratio | -0.62% | 0.00% |
| ACL / Loans | 1.10% | 0.74% |
Balance sheet
| Metric | United Texas Bank | Brannen Bank |
|---|---|---|
| Total Assets | $1,023M | $1,021M |
| Total Deposits | $761,661K | $983,073K |
| Total Loans | $645,567K | $524,397K |
| Total Equity | $166,411K | $37,171K |
| Net Income (quarter) | $637 | $5,026K |
Liquidity & funding
| Metric | United Texas Bank | Brannen Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.76% | 53.34% |
| Core Deposit Ratio | 93.62% | 90.10% |
| Uninsured Deposit Ratio | 31.28% | — |
Identity
| Metric | United Texas Bank | Brannen Bank |
|---|---|---|
| Headquarters City | DALLAS | INVERNESS |
| Headquarters State | TX | FL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 12 |
| Employees (FTE) | 86 | 120 |
| Established | April 7, 1986, midnight | July 1, 1926, 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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