Bank Comparison
Broadstreet Bank, Ssb vs Austin Capital Bank Ssb
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Broadstreet Bank, Ssb | Austin Capital Bank Ssb |
|---|---|---|
| CET1 Ratio | — | 38.37% |
| Tier 1 Capital Ratio | — | 38.37% |
| Total Capital Ratio | — | 39.62% |
| Tier 1 Leverage Ratio | 11.97% | 9.27% |
| Equity / Assets | 11.27% | 10.06% |
Profitability
| Metric | Broadstreet Bank, Ssb | Austin Capital Bank Ssb |
|---|---|---|
| Return on Assets (ROA) | 0.87% | 0.76% |
| Return on Equity (ROE) | 7.79% | 8.03% |
| Net Interest Margin (NIM) | 3.53% | 6.75% |
| Yield on Earning Assets | 5.67% | 7.61% |
| Cost of Funds | 2.26% | 0.91% |
Asset quality
| Metric | Broadstreet Bank, Ssb | Austin Capital Bank Ssb |
|---|---|---|
| Texas Ratio | 21.56% | 0.70% |
| Non-Performing Loan Ratio | 0.68% | 0.08% |
| Non-Performing Asset Ratio | 2.60% | 0.07% |
| Net Charge-Off Ratio | 0.01% | -0.01% |
| ACL / Loans | 1.14% | 0.42% |
Balance sheet
| Metric | Broadstreet Bank, Ssb | Austin Capital Bank Ssb |
|---|---|---|
| Total Assets | $429,012K | $422,410K |
| Total Deposits | $336,361K | $336,338K |
| Total Loans | $301,938K | $379,944K |
| Total Equity | $48,338K | $42,489K |
| Net Income (quarter) | $945 | $848 |
Liquidity & funding
| Metric | Broadstreet Bank, Ssb | Austin Capital Bank Ssb |
|---|---|---|
| Loan-to-Deposit Ratio | 89.77% | 112.96% |
| Core Deposit Ratio | 90.33% | 92.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Broadstreet Bank, Ssb | Austin Capital Bank Ssb |
|---|---|---|
| Headquarters City | MINEOLA | AUSTIN |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 15 |
| Employees (FTE) | 66 | 76 |
| Established | April 1, 1934, midnight | Jan. 9, 2006, 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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