Bank Comparison
Exchange Bank, the vs State Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Exchange Bank, the | State Bank & Trust Company |
|---|---|---|
| CET1 Ratio | — | 15.76% |
| Tier 1 Capital Ratio | — | 15.76% |
| Total Capital Ratio | — | 17.02% |
| Tier 1 Leverage Ratio | 11.66% | 11.00% |
| Equity / Assets | 9.72% | 8.61% |
Profitability
| Metric | Exchange Bank, the | State Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 1.37% |
| Return on Equity (ROE) | 11.27% | 15.92% |
| Net Interest Margin (NIM) | 3.76% | 3.92% |
| Yield on Earning Assets | 4.88% | 5.44% |
| Cost of Funds | 1.29% | 1.64% |
Asset quality
| Metric | Exchange Bank, the | State Bank & Trust Company |
|---|---|---|
| Texas Ratio | 0.00% | 3.65% |
| Non-Performing Loan Ratio | 0.00% | 0.53% |
| Non-Performing Asset Ratio | 0.00% | 0.34% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 1.61% | 1.45% |
Balance sheet
| Metric | Exchange Bank, the | State Bank & Trust Company |
|---|---|---|
| Total Assets | $155,435K | $155,295K |
| Total Deposits | $139,930K | $135,893K |
| Total Loans | $55,793K | $101,130K |
| Total Equity | $15,112K | $13,370K |
| Net Income (quarter) | $431 | $525 |
Liquidity & funding
| Metric | Exchange Bank, the | State Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 39.87% | 74.42% |
| Core Deposit Ratio | 84.14% | 86.96% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Exchange Bank, the | State Bank & Trust Company |
|---|---|---|
| Headquarters City | SKIATOOK | GOLDEN MEADOW |
| Headquarters State | OK | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 31 | 32 |
| Established | June 1, 1930, midnight | Jan. 16, 1953, 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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