Bank Comparison
Broadstreet Bank, Ssb vs Texas State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Broadstreet Bank, Ssb | Texas State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.97% | 13.45% |
| Equity / Assets | 11.27% | 12.60% |
Profitability
| Metric | Broadstreet Bank, Ssb | Texas State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.87% | 2.41% |
| Return on Equity (ROE) | 7.79% | 19.17% |
| Net Interest Margin (NIM) | 3.53% | 4.56% |
| Yield on Earning Assets | 5.67% | 5.31% |
| Cost of Funds | 2.26% | 0.78% |
Asset quality
| Metric | Broadstreet Bank, Ssb | Texas State Bank |
|---|---|---|
| Texas Ratio | 21.56% | 0.00% |
| Non-Performing Loan Ratio | 0.68% | 0.00% |
| Non-Performing Asset Ratio | 2.60% | 0.00% |
| Net Charge-Off Ratio | 0.01% | 0.02% |
| ACL / Loans | 1.14% | 0.94% |
Balance sheet
| Metric | Broadstreet Bank, Ssb | Texas State Bank |
|---|---|---|
| Total Assets | $429,012K | $423,330K |
| Total Deposits | $336,361K | $363,345K |
| Total Loans | $301,938K | $274,178K |
| Total Equity | $48,338K | $53,341K |
| Net Income (quarter) | $945 | $2,523K |
Liquidity & funding
| Metric | Broadstreet Bank, Ssb | Texas State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.77% | 75.46% |
| Core Deposit Ratio | 90.33% | 96.56% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Broadstreet Bank, Ssb | Texas State Bank |
|---|---|---|
| Headquarters City | MINEOLA | SAN ANGELO |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 4 |
| Employees (FTE) | 66 | 71 |
| Established | April 1, 1934, midnight | Feb. 16, 1963, 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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