Bank Comparison
Chemung Canal Trust Company vs State Bank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 10
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Chemung Canal Trust Company | State Bank of Texas |
|---|---|---|
| CET1 Ratio | 13.83% | — |
| Tier 1 Capital Ratio | 13.83% | — |
| Total Capital Ratio | 14.97% | — |
| Tier 1 Leverage Ratio | 11.26% | 14.73% |
| Equity / Assets | 10.79% | 14.52% |
Profitability
| Metric | Chemung Canal Trust Company | State Bank of Texas |
|---|---|---|
| Return on Assets (ROA) | 1.41% | 3.96% |
| Return on Equity (ROE) | 13.45% | 26.95% |
| Net Interest Margin (NIM) | 3.68% | 5.05% |
| Yield on Earning Assets | 5.05% | 8.31% |
| Cost of Funds | 1.53% | 3.65% |
Asset quality
| Metric | Chemung Canal Trust Company | State Bank of Texas |
|---|---|---|
| Texas Ratio | 4.70% | 14.96% |
| Non-Performing Loan Ratio | 0.53% | 1.15% |
| Non-Performing Asset Ratio | 0.51% | 2.22% |
| Net Charge-Off Ratio | -0.02% | 0.01% |
| ACL / Loans | 1.08% | 1.07% |
Balance sheet
| Metric | Chemung Canal Trust Company | State Bank of Texas |
|---|---|---|
| Total Assets | $2,748M | $2,764M |
| Total Deposits | $2,322M | $2,223M |
| Total Loans | $2,314M | $2,231M |
| Total Equity | $296,423K | $401,316K |
| Net Income (quarter) | $9,815K | $27,239K |
Liquidity & funding
| Metric | Chemung Canal Trust Company | State Bank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 99.65% | 100.35% |
| Core Deposit Ratio | 95.36% | 83.03% |
| Uninsured Deposit Ratio | 30.34% | 17.22% |
Identity
| Metric | Chemung Canal Trust Company | State Bank of Texas |
|---|---|---|
| Headquarters City | ELMIRA | IRVING |
| Headquarters State | NY | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 30 | 7 |
| Employees (FTE) | 331 | 96 |
| Established | Oct. 22, 1833, midnight | Oct. 19, 1987, 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 Chemung Canal Trust Company profile | View full State Bank of Texas profile | Browse all bank comparisons