Bank Comparison
Coastal States Bank vs John Marshall Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Coastal States Bank | John Marshall Bank |
|---|---|---|
| CET1 Ratio | 12.19% | 15.38% |
| Tier 1 Capital Ratio | 12.19% | 15.38% |
| Total Capital Ratio | 13.25% | 16.48% |
| Tier 1 Leverage Ratio | 11.21% | 12.60% |
| Equity / Assets | 11.02% | 12.23% |
Profitability
| Metric | Coastal States Bank | John Marshall Bank |
|---|---|---|
| Return on Assets (ROA) | 1.10% | 1.12% |
| Return on Equity (ROE) | 10.00% | 9.22% |
| Net Interest Margin (NIM) | 3.54% | 2.88% |
| Yield on Earning Assets | 5.84% | 4.97% |
| Cost of Funds | 2.51% | 2.39% |
Asset quality
| Metric | Coastal States Bank | John Marshall Bank |
|---|---|---|
| Texas Ratio | 6.68% | 0.33% |
| Non-Performing Loan Ratio | 0.99% | 0.05% |
| Non-Performing Asset Ratio | 0.78% | 0.04% |
| Net Charge-Off Ratio | 0.01% | -0.01% |
| ACL / Loans | 1.03% | 1.01% |
Balance sheet
| Metric | Coastal States Bank | John Marshall Bank |
|---|---|---|
| Total Assets | $2,346M | $2,348M |
| Total Deposits | $2,059M | $1,992M |
| Total Loans | $1,829M | $1,973M |
| Total Equity | $258,503K | $287,307K |
| Net Income (quarter) | $6,425K | $6,571K |
Liquidity & funding
| Metric | Coastal States Bank | John Marshall Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.85% | 99.04% |
| Core Deposit Ratio | 91.94% | 82.93% |
| Uninsured Deposit Ratio | 38.57% | 44.53% |
Identity
| Metric | Coastal States Bank | John Marshall Bank |
|---|---|---|
| Headquarters City | HILTON HEAD ISLAND | RESTON |
| Headquarters State | SC | VA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 11 | 8 |
| Employees (FTE) | 201 | 139 |
| Established | Aug. 9, 2004, midnight | April 17, 2006, 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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