Bank Comparison
First State Bank of Swanville vs Cetera Trust Company, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 10
winning metrics across 17 comparable rows
Capital adequacy
| Metric | First State Bank of Swanville | Cetera Trust Company, N.A. |
|---|---|---|
| CET1 Ratio | 27.87% | 115.16% |
| Tier 1 Capital Ratio | 27.87% | 115.16% |
| Total Capital Ratio | 29.12% | 115.16% |
| Tier 1 Leverage Ratio | 19.32% | 90.66% |
| Equity / Assets | 19.25% | 91.94% |
Profitability
| Metric | First State Bank of Swanville | Cetera Trust Company, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.59% | 1.98% |
| Return on Equity (ROE) | 8.33% | 2.10% |
| Net Interest Margin (NIM) | 5.81% | 4.28% |
| Yield on Earning Assets | 6.03% | 4.28% |
| Cost of Funds | 0.28% | — |
Asset quality
| Metric | First State Bank of Swanville | Cetera Trust Company, N.A. |
|---|---|---|
| Texas Ratio | 21.89% | 0.00% |
| Non-Performing Loan Ratio | 5.88% | — |
| Non-Performing Asset Ratio | 4.46% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 1.86% | — |
Balance sheet
| Metric | First State Bank of Swanville | Cetera Trust Company, N.A. |
|---|---|---|
| Total Assets | $23,429K | $18,007K |
| Total Deposits | $18,581K | $0 |
| Total Loans | $14,957K | $0 |
| Total Equity | $4,510K | $16,556K |
| Net Income (quarter) | $93 | $87 |
Liquidity & funding
| Metric | First State Bank of Swanville | Cetera Trust Company, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 80.50% | — |
| Core Deposit Ratio | 100.00% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Swanville | Cetera Trust Company, N.A. |
|---|---|---|
| Headquarters City | SWANVILLE | SAINT PAUL |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 1 | — |
| Employees (FTE) | 4 | 12 |
| Established | May 1, 1907, 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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