Bank Comparison
Grand Savings Bank vs Auburnbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Grand Savings Bank | Auburnbank |
|---|---|---|
| CET1 Ratio | — | 16.07% |
| Tier 1 Capital Ratio | — | 16.07% |
| Total Capital Ratio | — | 17.08% |
| Tier 1 Leverage Ratio | 11.62% | 10.57% |
| Equity / Assets | 11.36% | 8.85% |
Profitability
| Metric | Grand Savings Bank | Auburnbank |
|---|---|---|
| Return on Assets (ROA) | 2.16% | 0.86% |
| Return on Equity (ROE) | 18.74% | 9.89% |
| Net Interest Margin (NIM) | 5.11% | 3.24% |
| Yield on Earning Assets | 6.90% | 4.32% |
| Cost of Funds | 1.95% | 1.13% |
Asset quality
| Metric | Grand Savings Bank | Auburnbank |
|---|---|---|
| Texas Ratio | 4.44% | 0.32% |
| Non-Performing Loan Ratio | 0.62% | 0.02% |
| Non-Performing Asset Ratio | 0.55% | 0.01% |
| Net Charge-Off Ratio | 0.00% | 0.28% |
| ACL / Loans | 1.17% | 1.16% |
Balance sheet
| Metric | Grand Savings Bank | Auburnbank |
|---|---|---|
| Total Assets | $1,029M | $1,026M |
| Total Deposits | $900,312K | $932,742K |
| Total Loans | $851,801K | $582,041K |
| Total Equity | $117,028K | $90,812K |
| Net Income (quarter) | $5,476K | $2,244K |
Liquidity & funding
| Metric | Grand Savings Bank | Auburnbank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.61% | 62.40% |
| Core Deposit Ratio | 89.63% | 91.38% |
| Uninsured Deposit Ratio | — | 41.08% |
Identity
| Metric | Grand Savings Bank | Auburnbank |
|---|---|---|
| Headquarters City | GROVE | AUBURN |
| Headquarters State | OK | AL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 15 | 7 |
| Employees (FTE) | 188 | 140 |
| Established | April 10, 1981, midnight | Jan. 3, 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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