Bank Comparison
Community State Bank vs Shoreham Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Community State Bank | Shoreham Bank |
|---|---|---|
| CET1 Ratio | 13.24% | 12.86% |
| Tier 1 Capital Ratio | 13.24% | 12.86% |
| Total Capital Ratio | 14.50% | 14.13% |
| Tier 1 Leverage Ratio | 9.62% | 11.17% |
| Equity / Assets | 9.20% | 10.50% |
Profitability
| Metric | Community State Bank | Shoreham Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 0.30% |
| Return on Equity (ROE) | 8.75% | 2.73% |
| Net Interest Margin (NIM) | 3.66% | 4.27% |
| Yield on Earning Assets | 5.43% | 7.47% |
| Cost of Funds | 1.90% | 3.48% |
Asset quality
| Metric | Community State Bank | Shoreham Bank |
|---|---|---|
| Texas Ratio | 10.44% | 11.96% |
| Non-Performing Loan Ratio | 1.40% | 1.54% |
| Non-Performing Asset Ratio | 1.06% | 1.48% |
| Net Charge-Off Ratio | 0.01% | 1.14% |
| ACL / Loans | 1.26% | 2.13% |
Balance sheet
| Metric | Community State Bank | Shoreham Bank |
|---|---|---|
| Total Assets | $521,046K | $522,042K |
| Total Deposits | $471,030K | $417,845K |
| Total Loans | $395,502K | $457,573K |
| Total Equity | $47,955K | $54,818K |
| Net Income (quarter) | $1,051K | $375 |
Liquidity & funding
| Metric | Community State Bank | Shoreham Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.97% | 109.51% |
| Core Deposit Ratio | 93.22% | 91.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community State Bank | Shoreham Bank |
|---|---|---|
| Headquarters City | AVILLA | WARWICK |
| Headquarters State | IN | RI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 712504 |
| Regulator | FED | OCC |
| Domestic Branches | 5 | 4 |
| Employees (FTE) | 74 | 101 |
| Established | Feb. 19, 1931, midnight | Jan. 1, 1979, 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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