Bank Comparison
Ambler Savings Bank vs Gulf Coast Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Ambler Savings Bank | Gulf Coast Bank |
|---|---|---|
| CET1 Ratio | 21.88% | — |
| Tier 1 Capital Ratio | 21.88% | — |
| Total Capital Ratio | 22.72% | — |
| Tier 1 Leverage Ratio | 14.03% | 15.51% |
| Equity / Assets | 11.74% | 13.05% |
Profitability
| Metric | Ambler Savings Bank | Gulf Coast Bank |
|---|---|---|
| Return on Assets (ROA) | 0.60% | 1.19% |
| Return on Equity (ROE) | 5.10% | 9.42% |
| Net Interest Margin (NIM) | 2.76% | 4.77% |
| Yield on Earning Assets | 4.45% | 5.52% |
| Cost of Funds | 1.89% | 0.83% |
Asset quality
| Metric | Ambler Savings Bank | Gulf Coast Bank |
|---|---|---|
| Texas Ratio | 1.97% | 6.07% |
| Non-Performing Loan Ratio | 0.34% | 0.86% |
| Non-Performing Asset Ratio | 0.23% | 0.50% |
| Net Charge-Off Ratio | 0.00% | 0.16% |
| ACL / Loans | 0.82% | 1.20% |
Balance sheet
| Metric | Ambler Savings Bank | Gulf Coast Bank |
|---|---|---|
| Total Assets | $516,761K | $516,302K |
| Total Deposits | $439,866K | $444,300K |
| Total Loans | $340,557K | $295,200K |
| Total Equity | $60,692K | $67,374K |
| Net Income (quarter) | $774 | $1,580K |
Liquidity & funding
| Metric | Ambler Savings Bank | Gulf Coast Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.42% | 66.44% |
| Core Deposit Ratio | 93.88% | 94.80% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Ambler Savings Bank | Gulf Coast Bank |
|---|---|---|
| Headquarters City | AMBLER | ABBEVILLE |
| Headquarters State | PA | LA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 9 |
| Employees (FTE) | 59 | 120 |
| Established | Jan. 1, 1899, midnight | Feb. 1, 1971, 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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