Bank Analysis School April 2025

Internal Use Only

Fritos Bank Keeps their Assets Very Short Term…

Ranks 16 th lowest of 3,479 state-chartered community bank in the nation.

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Internal Use Only

Which Results in a Mismatched Balance Sheet Structure

Asset Structure:

Nearly all assets mature or re-price within one year.

Deposit base is very stable; management adjusts deposit rates very little in response to changes in market interest rates.

Funding Structure:

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