Bank Comparison
Commercial Capital Bank vs Sunstate Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Commercial Capital Bank | Sunstate Bank |
|---|---|---|
| CET1 Ratio | — | 13.43% |
| Tier 1 Capital Ratio | — | 13.43% |
| Total Capital Ratio | — | 14.24% |
| Tier 1 Leverage Ratio | 11.56% | 11.10% |
| Equity / Assets | 11.20% | 12.57% |
Profitability
| Metric | Commercial Capital Bank | Sunstate Bank |
|---|---|---|
| Return on Assets (ROA) | 2.06% | 0.75% |
| Return on Equity (ROE) | 17.90% | 6.05% |
| Net Interest Margin (NIM) | 4.43% | 3.34% |
| Yield on Earning Assets | 6.94% | 5.56% |
| Cost of Funds | 2.68% | 2.48% |
Asset quality
| Metric | Commercial Capital Bank | Sunstate Bank |
|---|---|---|
| Texas Ratio | 26.68% | 0.45% |
| Non-Performing Loan Ratio | 3.13% | 0.09% |
| Non-Performing Asset Ratio | 2.47% | 0.05% |
| Net Charge-Off Ratio | 0.44% | 0.00% |
| ACL / Loans | 1.05% | 1.12% |
Balance sheet
| Metric | Commercial Capital Bank | Sunstate Bank |
|---|---|---|
| Total Assets | $569,558K | $568,901K |
| Total Deposits | $447,760K | $493,636K |
| Total Loans | $443,256K | $339,536K |
| Total Equity | $63,767K | $71,511K |
| Net Income (quarter) | $2,792K | $1,078K |
Liquidity & funding
| Metric | Commercial Capital Bank | Sunstate Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 98.99% | 68.78% |
| Core Deposit Ratio | 76.60% | 79.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commercial Capital Bank | Sunstate Bank |
|---|---|---|
| Headquarters City | DELHI | MIAMI |
| Headquarters State | LA | FL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 3 |
| Employees (FTE) | 59 | 81 |
| Established | Feb. 22, 1999, midnight | March 15, 1999, 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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