Bank Comparison
Vermilion Bank & Trust Company vs American Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Vermilion Bank & Trust Company | American Heritage Bank |
|---|---|---|
| CET1 Ratio | 23.83% | 17.50% |
| Tier 1 Capital Ratio | 23.83% | 17.50% |
| Total Capital Ratio | 25.09% | 18.75% |
| Tier 1 Leverage Ratio | 11.96% | 10.96% |
| Equity / Assets | 11.58% | 9.54% |
Profitability
| Metric | Vermilion Bank & Trust Company | American Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 2.00% | 1.78% |
| Return on Equity (ROE) | 18.04% | 17.90% |
| Net Interest Margin (NIM) | 4.26% | 4.59% |
| Yield on Earning Assets | 4.96% | 5.52% |
| Cost of Funds | 0.74% | 1.00% |
Asset quality
| Metric | Vermilion Bank & Trust Company | American Heritage Bank |
|---|---|---|
| Texas Ratio | 6.67% | 1.10% |
| Non-Performing Loan Ratio | 1.83% | 0.23% |
| Non-Performing Asset Ratio | 0.83% | 0.11% |
| Net Charge-Off Ratio | 0.05% | -0.01% |
| ACL / Loans | 1.73% | 1.70% |
Balance sheet
| Metric | Vermilion Bank & Trust Company | American Heritage Bank |
|---|---|---|
| Total Assets | $149,038K | $148,982K |
| Total Deposits | $130,424K | $133,594K |
| Total Loans | $67,306K | $75,138K |
| Total Equity | $17,264K | $14,213K |
| Net Income (quarter) | $767 | $670 |
Liquidity & funding
| Metric | Vermilion Bank & Trust Company | American Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 51.61% | 56.24% |
| Core Deposit Ratio | 87.24% | 90.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Vermilion Bank & Trust Company | American Heritage Bank |
|---|---|---|
| Headquarters City | KAPLAN | CLOVIS |
| Headquarters State | LA | NM |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 26 | 20 |
| Established | March 8, 1958, midnight | Dec. 5, 2000, 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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