Bank Comparison
Bank of Whittier, N.A. vs Park State Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bank of Whittier, N.A. | Park State Bank & Trust |
|---|---|---|
| CET1 Ratio | — | 19.36% |
| Tier 1 Capital Ratio | — | 19.36% |
| Total Capital Ratio | — | 20.61% |
| Tier 1 Leverage Ratio | 15.38% | 11.08% |
| Equity / Assets | 16.11% | 10.09% |
Profitability
| Metric | Bank of Whittier, N.A. | Park State Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.08% |
| Return on Equity (ROE) | 5.79% | 10.80% |
| Net Interest Margin (NIM) | 2.30% | 4.42% |
| Yield on Earning Assets | 4.77% | 5.87% |
| Cost of Funds | 2.95% | 1.58% |
Asset quality
| Metric | Bank of Whittier, N.A. | Park State Bank & Trust |
|---|---|---|
| Texas Ratio | 0.00% | 7.72% |
| Non-Performing Loan Ratio | 0.00% | 0.05% |
| Non-Performing Asset Ratio | 0.00% | 0.72% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 2.74% | 1.19% |
Balance sheet
| Metric | Bank of Whittier, N.A. | Park State Bank & Trust |
|---|---|---|
| Total Assets | $158,847K | $158,783K |
| Total Deposits | $131,032K | $142,393K |
| Total Loans | $86,236K | $108,386K |
| Total Equity | $25,593K | $16,022K |
| Net Income (quarter) | $368 | $436 |
Liquidity & funding
| Metric | Bank of Whittier, N.A. | Park State Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 65.81% | 76.12% |
| Core Deposit Ratio | 68.72% | 91.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Whittier, N.A. | Park State Bank & Trust |
|---|---|---|
| Headquarters City | WHITTIER | WOODLAND PARK |
| Headquarters State | CA | CO |
| Asset Tier | Small | Small |
| Charter Class | 17548 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 22 | 31 |
| Established | Dec. 20, 1982, midnight | March 1, 1965, 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 Whittier, N.A. profile | View full Park State Bank & Trust profile | Browse all bank comparisons