Bank Comparison
Broadstreet Bank, Ssb vs Peoples Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 13
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Broadstreet Bank, Ssb | Peoples Bank |
|---|---|---|
| CET1 Ratio | — | 15.14% |
| Tier 1 Capital Ratio | — | 15.14% |
| Total Capital Ratio | — | 16.09% |
| Tier 1 Leverage Ratio | 11.97% | 13.24% |
| Equity / Assets | 11.27% | 12.39% |
Profitability
| Metric | Broadstreet Bank, Ssb | Peoples Bank |
|---|---|---|
| Return on Assets (ROA) | 0.87% | 1.80% |
| Return on Equity (ROE) | 7.79% | 14.17% |
| Net Interest Margin (NIM) | 3.53% | 5.25% |
| Yield on Earning Assets | 5.67% | 7.79% |
| Cost of Funds | 2.26% | 2.67% |
Asset quality
| Metric | Broadstreet Bank, Ssb | Peoples Bank |
|---|---|---|
| Texas Ratio | 21.56% | 6.49% |
| Non-Performing Loan Ratio | 0.68% | 0.35% |
| Non-Performing Asset Ratio | 2.60% | 0.85% |
| Net Charge-Off Ratio | 0.01% | 0.04% |
| ACL / Loans | 1.14% | 0.96% |
Balance sheet
| Metric | Broadstreet Bank, Ssb | Peoples Bank |
|---|---|---|
| Total Assets | $429,012K | $428,853K |
| Total Deposits | $336,361K | $369,333K |
| Total Loans | $301,938K | $332,678K |
| Total Equity | $48,338K | $53,122K |
| Net Income (quarter) | $945 | $1,852K |
Liquidity & funding
| Metric | Broadstreet Bank, Ssb | Peoples Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.77% | 90.08% |
| Core Deposit Ratio | 90.33% | 72.35% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Broadstreet Bank, Ssb | Peoples Bank |
|---|---|---|
| Headquarters City | MINEOLA | CLIFTON |
| Headquarters State | TX | TN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 7 | 5 |
| Employees (FTE) | 66 | 66 |
| Established | April 1, 1934, midnight | Jan. 1, 1890, 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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