Bank Comparison
Greenville Savings Bank vs Community State Bank
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 | Greenville Savings Bank | Community State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.62% | 10.33% |
| Equity / Assets | 12.68% | 7.94% |
Profitability
| Metric | Greenville Savings Bank | Community State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 1.18% |
| Return on Equity (ROE) | 4.63% | 14.58% |
| Net Interest Margin (NIM) | 2.67% | 3.25% |
| Yield on Earning Assets | 4.70% | 4.86% |
| Cost of Funds | 2.31% | 1.74% |
Asset quality
| Metric | Greenville Savings Bank | Community State Bank |
|---|---|---|
| Texas Ratio | 1.84% | 10.79% |
| Non-Performing Loan Ratio | 0.06% | 0.36% |
| Non-Performing Asset Ratio | 0.06% | 0.52% |
| Net Charge-Off Ratio | 0.03% | 0.03% |
| ACL / Loans | 0.63% | 1.35% |
Balance sheet
| Metric | Greenville Savings Bank | Community State Bank |
|---|---|---|
| Total Assets | $342,060K | $341,487K |
| Total Deposits | $259,742K | $293,553K |
| Total Loans | $272,996K | $158,188K |
| Total Equity | $43,369K | $27,100K |
| Net Income (quarter) | $499 | $1,013K |
Liquidity & funding
| Metric | Greenville Savings Bank | Community State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 105.10% | 53.89% |
| Core Deposit Ratio | 90.27% | 85.80% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Greenville Savings Bank | Community State Bank |
|---|---|---|
| Headquarters City | GREENVILLE | SPENCER |
| Headquarters State | PA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 7 |
| Employees (FTE) | 42 | 36 |
| Established | Jan. 1, 1911, 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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