Bank Comparison
Franklin Bank vs United Roosevelt Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Franklin Bank | United Roosevelt Savings Bank |
|---|---|---|
| CET1 Ratio | 17.39% | 13.47% |
| Tier 1 Capital Ratio | 17.39% | 13.47% |
| Total Capital Ratio | 18.35% | 14.43% |
| Tier 1 Leverage Ratio | 10.11% | 8.94% |
| Equity / Assets | 8.93% | 8.87% |
Profitability
| Metric | Franklin Bank | United Roosevelt Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.55% | 0.54% |
| Return on Equity (ROE) | 6.19% | 6.91% |
| Net Interest Margin (NIM) | 3.58% | 2.87% |
| Yield on Earning Assets | 4.38% | 5.49% |
| Cost of Funds | 0.85% | 2.81% |
Asset quality
| Metric | Franklin Bank | United Roosevelt Savings Bank |
|---|---|---|
| Texas Ratio | 1.74% | 3.83% |
| Non-Performing Loan Ratio | 0.26% | 0.45% |
| Non-Performing Asset Ratio | 0.17% | 0.36% |
| Net Charge-Off Ratio | 0.05% | 0.00% |
| ACL / Loans | 0.86% | 0.77% |
Balance sheet
| Metric | Franklin Bank | United Roosevelt Savings Bank |
|---|---|---|
| Total Assets | $337,448K | $383,954K |
| Total Deposits | $305,076K | $301,438K |
| Total Loans | $211,028K | $307,107K |
| Total Equity | $30,124K | $34,039K |
| Net Income (quarter) | $463 | $519 |
Liquidity & funding
| Metric | Franklin Bank | United Roosevelt Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.17% | 101.88% |
| Core Deposit Ratio | 96.77% | 88.42% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Franklin Bank | United Roosevelt Savings Bank |
|---|---|---|
| Headquarters City | PILESGROVE | CARTERET |
| Headquarters State | NJ | NJ |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 2 |
| Employees (FTE) | 69 | 31 |
| Established | Jan. 1, 1861, midnight | Jan. 1, 1914, 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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