Bank Comparison
Western Bank vs Fieldpoint Private Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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19 · 1
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Western Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| CET1 Ratio | — | 9.82% |
| Tier 1 Capital Ratio | — | 9.82% |
| Total Capital Ratio | — | 10.97% |
| Tier 1 Leverage Ratio | 9.31% | 6.59% |
| Equity / Assets | 8.03% | 5.94% |
Profitability
| Metric | Western Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 2.14% | -0.41% |
| Return on Equity (ROE) | 24.35% | -6.82% |
| Net Interest Margin (NIM) | 5.41% | 2.04% |
| Yield on Earning Assets | 7.26% | 5.07% |
| Cost of Funds | 1.77% | 3.07% |
Asset quality
| Metric | Western Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Texas Ratio | 8.03% | 40.07% |
| Non-Performing Loan Ratio | 0.00% | 2.22% |
| Non-Performing Asset Ratio | 0.72% | 1.54% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.20% | 1.08% |
Balance sheet
| Metric | Western Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Total Assets | $944,019K | $943,648K |
| Total Deposits | $834,365K | $816,007K |
| Total Loans | $736,709K | $645,487K |
| Total Equity | $75,823K | $56,030K |
| Net Income (quarter) | $4,525K | $-954 |
Liquidity & funding
| Metric | Western Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 88.30% | 79.10% |
| Core Deposit Ratio | 86.92% | 97.35% |
| Uninsured Deposit Ratio | — | 14.45% |
Identity
| Metric | Western Bank | Fieldpoint Private Bank & Trust |
|---|---|---|
| Headquarters City | LUBBOCK | GREENWICH |
| Headquarters State | TX | CT |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 10 | 2 |
| Employees (FTE) | 137 | 69 |
| Established | Jan. 1, 1909, 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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