Bank Comparison
Zapata National Bank vs First State Bank of Michigan
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 | Zapata National Bank | First State Bank of Michigan |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.78% | 14.74% |
| Equity / Assets | 15.48% | 18.20% |
Profitability
| Metric | Zapata National Bank | First State Bank of Michigan |
|---|---|---|
| Return on Assets (ROA) | 1.70% | -1.35% |
| Return on Equity (ROE) | 11.16% | -7.23% |
| Net Interest Margin (NIM) | 3.87% | 3.59% |
| Yield on Earning Assets | 5.30% | 5.61% |
| Cost of Funds | 1.58% | 2.35% |
Asset quality
| Metric | Zapata National Bank | First State Bank of Michigan |
|---|---|---|
| Texas Ratio | 7.40% | 4.61% |
| Non-Performing Loan Ratio | 0.00% | 1.09% |
| Non-Performing Asset Ratio | 1.18% | 0.67% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.18% | 1.19% |
Balance sheet
| Metric | Zapata National Bank | First State Bank of Michigan |
|---|---|---|
| Total Assets | $83,077K | $83,176K |
| Total Deposits | $69,669K | $66,791K |
| Total Loans | $36,491K | $51,264K |
| Total Equity | $12,862K | $15,142K |
| Net Income (quarter) | $356 | $-277 |
Liquidity & funding
| Metric | Zapata National Bank | First State Bank of Michigan |
|---|---|---|
| Loan-to-Deposit Ratio | 52.38% | 76.75% |
| Core Deposit Ratio | 81.57% | 95.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Zapata National Bank | First State Bank of Michigan |
|---|---|---|
| Headquarters City | ZAPATA | DECATUR |
| Headquarters State | TX | MI |
| Asset Tier | Micro | Micro |
| Charter Class | 14955 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 19 | 22 |
| Established | Nov. 16, 1961, midnight | Jan. 1, 1870, 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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