Bank Comparison
Bank of South Texas vs Sharon Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 4
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bank of South Texas | Sharon Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.57% | 9.91% |
| Equity / Assets | 18.29% | 9.48% |
Profitability
| Metric | Bank of South Texas | Sharon Bank |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 0.28% |
| Return on Equity (ROE) | 4.66% | 2.82% |
| Net Interest Margin (NIM) | 6.70% | 4.21% |
| Yield on Earning Assets | 8.45% | 6.31% |
| Cost of Funds | 1.94% | 2.00% |
Asset quality
| Metric | Bank of South Texas | Sharon Bank |
|---|---|---|
| Texas Ratio | 0.71% | 5.40% |
| Non-Performing Loan Ratio | 0.00% | 0.15% |
| Non-Performing Asset Ratio | 0.00% | 0.56% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.23% | 1.00% |
Balance sheet
| Metric | Bank of South Texas | Sharon Bank |
|---|---|---|
| Total Assets | $170,561K | $170,750K |
| Total Deposits | $137,765K | $141,482K |
| Total Loans | $117,713K | $137,520K |
| Total Equity | $31,188K | $16,190K |
| Net Income (quarter) | $362 | $114 |
Liquidity & funding
| Metric | Bank of South Texas | Sharon Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.44% | 97.20% |
| Core Deposit Ratio | 77.32% | 91.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of South Texas | Sharon Bank |
|---|---|---|
| Headquarters City | MCALLEN | SPRINGFIELD |
| Headquarters State | TX | PA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 70 | 35 |
| Established | July 8, 1986, midnight | Jan. 1, 1873, 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.
View full Bank of South Texas profile | View full Sharon Bank profile | Browse all bank comparisons