Bank Comparison
Community State Bank vs Pacific West Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 1
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community State Bank | Pacific West Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.85% | 9.03% |
| Equity / Assets | 10.02% | 8.84% |
Profitability
| Metric | Community State Bank | Pacific West Bank |
|---|---|---|
| Return on Assets (ROA) | 1.36% | 0.15% |
| Return on Equity (ROE) | 13.41% | 1.74% |
| Net Interest Margin (NIM) | 4.01% | 3.11% |
| Yield on Earning Assets | 5.98% | 5.16% |
| Cost of Funds | 2.12% | 2.26% |
Asset quality
| Metric | Community State Bank | Pacific West Bank |
|---|---|---|
| Texas Ratio | 11.60% | 20.22% |
| Non-Performing Loan Ratio | 1.53% | 2.92% |
| Non-Performing Asset Ratio | 1.13% | 1.95% |
| Net Charge-Off Ratio | -0.03% | 0.00% |
| ACL / Loans | 1.44% | 1.22% |
Balance sheet
| Metric | Community State Bank | Pacific West Bank |
|---|---|---|
| Total Assets | $403,887K | $403,359K |
| Total Deposits | $361,145K | $359,925K |
| Total Loans | $298,079K | $269,629K |
| Total Equity | $40,454K | $35,660K |
| Net Income (quarter) | $1,352K | $155 |
Liquidity & funding
| Metric | Community State Bank | Pacific West Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.54% | 74.91% |
| Core Deposit Ratio | 88.70% | 96.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community State Bank | Pacific West Bank |
|---|---|---|
| Headquarters City | GALVA | WEST LINN |
| Headquarters State | IL | OR |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 4 |
| Employees (FTE) | 59 | 42 |
| Established | Nov. 24, 1980, midnight | Nov. 5, 2004, 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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