Bank Comparison
Bank of Denton vs Hertford Savings Bank, Ssb
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bank of Denton | Hertford Savings Bank, Ssb |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 18.81% | 10.78% |
| Equity / Assets | 19.49% | 10.76% |
Profitability
| Metric | Bank of Denton | Hertford Savings Bank, Ssb |
|---|---|---|
| Return on Assets (ROA) | -0.54% | -0.29% |
| Return on Equity (ROE) | -2.86% | -2.72% |
| Net Interest Margin (NIM) | 3.24% | 2.91% |
| Yield on Earning Assets | 4.23% | 5.40% |
| Cost of Funds | 1.16% | 2.60% |
Asset quality
| Metric | Bank of Denton | Hertford Savings Bank, Ssb |
|---|---|---|
| Texas Ratio | 10.17% | 1.42% |
| Non-Performing Loan Ratio | 0.48% | 0.00% |
| Non-Performing Asset Ratio | 1.06% | 0.00% |
| Net Charge-Off Ratio | 2.21% | 0.00% |
| ACL / Loans | 0.79% | 0.97% |
Balance sheet
| Metric | Bank of Denton | Hertford Savings Bank, Ssb |
|---|---|---|
| Total Assets | $20,044K | $20,416K |
| Total Deposits | $16,077K | $18,195K |
| Total Loans | $10,850K | $13,880K |
| Total Equity | $3,906K | $2,196K |
| Net Income (quarter) | $-28 | $-15 |
Liquidity & funding
| Metric | Bank of Denton | Hertford Savings Bank, Ssb |
|---|---|---|
| Loan-to-Deposit Ratio | 67.49% | 76.28% |
| Core Deposit Ratio | 98.38% | 89.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Denton | Hertford Savings Bank, Ssb |
|---|---|---|
| Headquarters City | Denton | HERTFORD |
| Headquarters State | KS | NC |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 3 |
| Established | Oct. 1, 1894, midnight | Jan. 1, 1923, 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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