Bank Comparison
American State Bank of Grygla vs Sunnyside Federal Savings and Loan Association of Irvington
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 6
winning metrics across 13 scored rows
Sunnyside Federal Savings and Loan Association of Irvington
RSSD 516873 · Irvington, NY
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Capital adequacy
| Metric | American State Bank of Grygla | Sunnyside Federal Savings and Loan Association of Irvington |
|---|---|---|
| CET1 Ratio | — | 19.83% |
| Tier 1 Capital Ratio | — | 19.83% |
| Total Capital Ratio | — | 20.96% |
| Tier 1 Leverage Ratio | 10.83% | 12.26% |
| Equity / Assets | 9.11% | 11.91% |
Profitability
| Metric | American State Bank of Grygla | Sunnyside Federal Savings and Loan Association of Irvington |
|---|---|---|
| Return on Assets (ROA) | 1.79% | -0.73% |
| Return on Equity (ROE) | 20.36% | -6.18% |
| Net Interest Margin (NIM) | 3.78% | 4.16% |
| Yield on Earning Assets | 5.23% | 6.06% |
| Cost of Funds | 1.55% | 1.94% |
Asset quality
| Metric | American State Bank of Grygla | Sunnyside Federal Savings and Loan Association of Irvington |
|---|---|---|
| Texas Ratio | 0.00% | 0.89% |
| Non-Performing Loan Ratio | 0.00% | 0.18% |
| Non-Performing Asset Ratio | 0.00% | 0.10% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.23% | 1.25% |
Balance sheet
| Metric | American State Bank of Grygla | Sunnyside Federal Savings and Loan Association of Irvington |
|---|---|---|
| Total Assets | $81.8M | $82.3M |
| Total Deposits | $73.9M | $72.2M |
| Total Loans | $42.3M | $46.6M |
| Total Equity | $7.4M | $9.8M |
| Net Income (quarter) | $366K | ($154K) |
Liquidity & funding
| Metric | American State Bank of Grygla | Sunnyside Federal Savings and Loan Association of Irvington |
|---|---|---|
| Loan-to-Deposit Ratio | 57.16% | 64.52% |
| Core Deposit Ratio | 94.56% | 85.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American State Bank of Grygla | Sunnyside Federal Savings and Loan Association of Irvington |
|---|---|---|
| Headquarters City | Grygla | Irvington |
| Headquarters State | MN | NY |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FED | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 14 | 12 |
| Established | April 30, 1976 | January 1, 1929 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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