Bank Comparison
Woodtrust Bank vs First National Bank and Trust Company of Ardmore
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Woodtrust Bank | First National Bank and Trust Company of Ardmore |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.59% | 10.01% |
| Equity / Assets | 9.40% | 9.91% |
Profitability
| Metric | Woodtrust Bank | First National Bank and Trust Company of Ardmore |
|---|---|---|
| Return on Assets (ROA) | 3.98% | 1.51% |
| Return on Equity (ROE) | 42.09% | 15.03% |
| Net Interest Margin (NIM) | 3.91% | 4.09% |
| Yield on Earning Assets | 4.77% | 5.48% |
| Cost of Funds | 0.92% | 1.45% |
Asset quality
| Metric | Woodtrust Bank | First National Bank and Trust Company of Ardmore |
|---|---|---|
| Texas Ratio | 10.27% | 0.70% |
| Non-Performing Loan Ratio | 1.93% | 0.10% |
| Non-Performing Asset Ratio | 1.07% | 0.06% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 1.88% | 1.28% |
Balance sheet
| Metric | Woodtrust Bank | First National Bank and Trust Company of Ardmore |
|---|---|---|
| Total Assets | $707,460K | $708,374K |
| Total Deposits | $574,444K | $599,741K |
| Total Loans | $393,405K | $423,042K |
| Total Equity | $66,489K | $70,196K |
| Net Income (quarter) | $6,678K | $2,609K |
Liquidity & funding
| Metric | Woodtrust Bank | First National Bank and Trust Company of Ardmore |
|---|---|---|
| Loan-to-Deposit Ratio | 68.48% | 70.54% |
| Core Deposit Ratio | 99.46% | 92.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Woodtrust Bank | First National Bank and Trust Company of Ardmore |
|---|---|---|
| Headquarters City | WISCONSIN RAPIDS | ARDMORE |
| Headquarters State | WI | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 13677 |
| Regulator | FED | OCC |
| Domestic Branches | 7 | 12 |
| Employees (FTE) | 89 | 151 |
| Established | Aug. 11, 1891, midnight | Jan. 1, 1889, 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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