Bank Comparison
Clare Bank, N.A. vs Stifel Trust Company Delaware, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 11
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Clare Bank, N.A. | Stifel Trust Company Delaware, N.A. |
|---|---|---|
| CET1 Ratio | — | 54.64% |
| Tier 1 Capital Ratio | — | 54.64% |
| Total Capital Ratio | — | 54.64% |
| Tier 1 Leverage Ratio | 11.29% | 11.86% |
| Equity / Assets | 8.88% | 8.22% |
Profitability
| Metric | Clare Bank, N.A. | Stifel Trust Company Delaware, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.93% | 2.77% |
| Return on Equity (ROE) | 11.01% | 34.54% |
| Net Interest Margin (NIM) | 2.32% | 3.52% |
| Yield on Earning Assets | 3.94% | 3.66% |
| Cost of Funds | 1.82% | 0.15% |
Asset quality
| Metric | Clare Bank, N.A. | Stifel Trust Company Delaware, N.A. |
|---|---|---|
| Texas Ratio | 3.90% | 0.00% |
| Non-Performing Loan Ratio | 0.70% | — |
| Non-Performing Asset Ratio | 0.35% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 0.47% | — |
Balance sheet
| Metric | Clare Bank, N.A. | Stifel Trust Company Delaware, N.A. |
|---|---|---|
| Total Assets | $342,755K | $342,841K |
| Total Deposits | $286,713K | $310,569K |
| Total Loans | $172,951K | $0 |
| Total Equity | $30,439K | $28,196K |
| Net Income (quarter) | $831 | $2,428K |
Liquidity & funding
| Metric | Clare Bank, N.A. | Stifel Trust Company Delaware, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 60.32% | 0.00% |
| Core Deposit Ratio | 97.77% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Clare Bank, N.A. | Stifel Trust Company Delaware, N.A. |
|---|---|---|
| Headquarters City | PLATTEVILLE | GREENVILLE |
| Headquarters State | WI | DE |
| Asset Tier | Small | Small |
| Charter Class | 15649 | 24955 |
| Regulator | OCC | OCC |
| Domestic Branches | 8 | 1 |
| Employees (FTE) | 39 | 4 |
| Established | Oct. 28, 1905, midnight | April 28, 2010, 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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