Bank Comparison
Hcn Bank vs Golden State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Hcn Bank | Golden State Bank |
|---|---|---|
| CET1 Ratio | 14.05% | — |
| Tier 1 Capital Ratio | 14.05% | — |
| Total Capital Ratio | 15.30% | — |
| Tier 1 Leverage Ratio | 11.63% | 10.62% |
| Equity / Assets | 11.66% | 10.83% |
Profitability
| Metric | Hcn Bank | Golden State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.19% | 1.14% |
| Return on Equity (ROE) | 19.22% | 10.89% |
| Net Interest Margin (NIM) | 3.95% | 4.15% |
| Yield on Earning Assets | 5.12% | 6.84% |
| Cost of Funds | 1.34% | 3.12% |
Asset quality
| Metric | Hcn Bank | Golden State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 6.09% |
| Non-Performing Loan Ratio | 0.00% | 0.86% |
| Non-Performing Asset Ratio | 0.00% | 0.73% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.34% | 1.33% |
Balance sheet
| Metric | Hcn Bank | Golden State Bank |
|---|---|---|
| Total Assets | $974,149K | $974,262K |
| Total Deposits | $852,684K | $828,311K |
| Total Loans | $763,876K | $823,622K |
| Total Equity | $113,544K | $105,518K |
| Net Income (quarter) | $5,453K | $2,833K |
Liquidity & funding
| Metric | Hcn Bank | Golden State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 89.58% | 99.43% |
| Core Deposit Ratio | 94.96% | 76.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hcn Bank | Golden State Bank |
|---|---|---|
| Headquarters City | RIVERSIDE | GLENDALE |
| Headquarters State | CA | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 3 |
| Employees (FTE) | 90 | 77 |
| Established | June 3, 1974, midnight | Dec. 1, 2003, 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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