Bank Comparison
Home Loan Savings Bank, the vs Trusttexas Bank, S.S.B.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Home Loan Savings Bank, the | Trusttexas Bank, S.S.B. |
|---|---|---|
| CET1 Ratio | 14.89% | 18.85% |
| Tier 1 Capital Ratio | 14.89% | 18.85% |
| Total Capital Ratio | 16.14% | 19.90% |
| Tier 1 Leverage Ratio | 11.90% | 8.24% |
| Equity / Assets | 11.87% | 0.82% |
Profitability
| Metric | Home Loan Savings Bank, the | Trusttexas Bank, S.S.B. |
|---|---|---|
| Return on Assets (ROA) | 2.28% | 0.21% |
| Return on Equity (ROE) | 19.60% | 24.44% |
| Net Interest Margin (NIM) | 5.15% | 2.48% |
| Yield on Earning Assets | 7.17% | 4.12% |
| Cost of Funds | 2.27% | 1.73% |
Asset quality
| Metric | Home Loan Savings Bank, the | Trusttexas Bank, S.S.B. |
|---|---|---|
| Texas Ratio | 7.15% | 26.79% |
| Non-Performing Loan Ratio | 0.67% | 0.66% |
| Non-Performing Asset Ratio | 0.62% | 0.34% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 1.23% | 0.89% |
Balance sheet
| Metric | Home Loan Savings Bank, the | Trusttexas Bank, S.S.B. |
|---|---|---|
| Total Assets | $383,160K | $382,873K |
| Total Deposits | $313,648K | $376,879K |
| Total Loans | $350,313K | $199,760K |
| Total Equity | $45,486K | $3,137K |
| Net Income (quarter) | $2,176K | $208 |
Liquidity & funding
| Metric | Home Loan Savings Bank, the | Trusttexas Bank, S.S.B. |
|---|---|---|
| Loan-to-Deposit Ratio | 111.69% | 53.00% |
| Core Deposit Ratio | 94.02% | 89.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Loan Savings Bank, the | Trusttexas Bank, S.S.B. |
|---|---|---|
| Headquarters City | COSHOCTON | CUERO |
| Headquarters State | OH | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 52 | 56 |
| Established | Jan. 1, 1882, midnight | Jan. 1, 1921, 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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