Bank Comparison
City National Bank of Sulphur Springs, the vs Independence Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | City National Bank of Sulphur Springs, the | Independence Bank |
|---|---|---|
| CET1 Ratio | 14.09% | 15.39% |
| Tier 1 Capital Ratio | 14.09% | 15.39% |
| Total Capital Ratio | 15.34% | 16.64% |
| Tier 1 Leverage Ratio | 9.86% | 13.08% |
| Equity / Assets | 9.57% | 11.89% |
Profitability
| Metric | City National Bank of Sulphur Springs, the | Independence Bank |
|---|---|---|
| Return on Assets (ROA) | 2.32% | 1.92% |
| Return on Equity (ROE) | 23.97% | 16.29% |
| Net Interest Margin (NIM) | 4.66% | 4.42% |
| Yield on Earning Assets | 6.06% | 6.20% |
| Cost of Funds | 1.48% | 2.00% |
Asset quality
| Metric | City National Bank of Sulphur Springs, the | Independence Bank |
|---|---|---|
| Texas Ratio | 1.20% | 4.25% |
| Non-Performing Loan Ratio | 0.09% | 0.55% |
| Non-Performing Asset Ratio | 0.06% | 0.42% |
| Net Charge-Off Ratio | -0.18% | 0.00% |
| ACL / Loans | 1.51% | 1.40% |
Balance sheet
| Metric | City National Bank of Sulphur Springs, the | Independence Bank |
|---|---|---|
| Total Assets | $1,373M | $1,370M |
| Total Deposits | $1,231M | $1,190M |
| Total Loans | $944,892K | $1,050M |
| Total Equity | $131,357K | $162,929K |
| Net Income (quarter) | $7,912K | $6,601K |
Liquidity & funding
| Metric | City National Bank of Sulphur Springs, the | Independence Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.72% | 88.21% |
| Core Deposit Ratio | 91.17% | 93.66% |
| Uninsured Deposit Ratio | 27.33% | 28.40% |
Identity
| Metric | City National Bank of Sulphur Springs, the | Independence Bank |
|---|---|---|
| Headquarters City | SULPHUR SPRINGS | HAVRE |
| Headquarters State | TX | MT |
| Asset Tier | Large | Large |
| Charter Class | 3989 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 17 | 10 |
| Employees (FTE) | 244 | 161 |
| Established | Jan. 1, 1889, midnight | March 12, 1973, 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 City National Bank of Sulphur Springs, the profile | View full Independence Bank profile | Browse all bank comparisons