Bank Comparison
Everence Trust Company vs Cetera Trust Company, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 3
winning metrics across 14 comparable rows
Capital adequacy
| Metric | Everence Trust Company | Cetera Trust Company, N.A. |
|---|---|---|
| CET1 Ratio | 144.66% | 115.16% |
| Tier 1 Capital Ratio | 144.66% | 115.16% |
| Total Capital Ratio | 144.66% | 115.16% |
| Tier 1 Leverage Ratio | 114.71% | 90.66% |
| Equity / Assets | 77.58% | 91.94% |
Profitability
| Metric | Everence Trust Company | Cetera Trust Company, N.A. |
|---|---|---|
| Return on Assets (ROA) | 30.31% | 1.98% |
| Return on Equity (ROE) | 27.36% | 2.10% |
| Net Interest Margin (NIM) | 4.76% | 4.28% |
| Yield on Earning Assets | 4.94% | 4.28% |
| Cost of Funds | 3.20% | — |
Asset quality
| Metric | Everence Trust Company | Cetera Trust Company, N.A. |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | — | — |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | — | — |
| ACL / Loans | — | — |
Balance sheet
| Metric | Everence Trust Company | Cetera Trust Company, N.A. |
|---|---|---|
| Total Assets | $17,443K | $18,007K |
| Total Deposits | $500 | $0 |
| Total Loans | $0 | $0 |
| Total Equity | $13,532K | $16,556K |
| Net Income (quarter) | $896 | $87 |
Liquidity & funding
| Metric | Everence Trust Company | Cetera Trust Company, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 0.00% | — |
| Core Deposit Ratio | 0.00% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Everence Trust Company | Cetera Trust Company, N.A. |
|---|---|---|
| Headquarters City | GOSHEN | SAINT PAUL |
| Headquarters State | IN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 716425 | — |
| Regulator | OCC | — |
| Domestic Branches | 1 | — |
| Employees (FTE) | 41 | 12 |
| Established | June 1, 2001, 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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