Bank Comparison
Home Loan State Bank vs Sei Private Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 11
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Home Loan State Bank | Sei Private Trust Company |
|---|---|---|
| CET1 Ratio | 14.02% | — |
| Tier 1 Capital Ratio | 16.47% | — |
| Total Capital Ratio | 17.29% | — |
| Tier 1 Leverage Ratio | 7.89% | 85.73% |
| Equity / Assets | 6.92% | 91.08% |
Profitability
| Metric | Home Loan State Bank | Sei Private Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.73% | 47.57% |
| Return on Equity (ROE) | 10.99% | 55.31% |
| Net Interest Margin (NIM) | 3.13% | 3.68% |
| Yield on Earning Assets | 4.87% | 3.69% |
| Cost of Funds | 1.80% | 4.00% |
Asset quality
| Metric | Home Loan State Bank | Sei Private Trust Company |
|---|---|---|
| Texas Ratio | 6.38% | 0.00% |
| Non-Performing Loan Ratio | 1.24% | — |
| Non-Performing Asset Ratio | 0.47% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 1.07% | — |
Balance sheet
| Metric | Home Loan State Bank | Sei Private Trust Company |
|---|---|---|
| Total Assets | $230,497K | $230,635K |
| Total Deposits | $211,400K | $500 |
| Total Loans | $87,068K | $0 |
| Total Equity | $15,951K | $210,069K |
| Net Income (quarter) | $435 | $29,766K |
Liquidity & funding
| Metric | Home Loan State Bank | Sei Private Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 41.19% | 0.00% |
| Core Deposit Ratio | 98.61% | 0.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Loan State Bank | Sei Private Trust Company |
|---|---|---|
| Headquarters City | GRAND JUNCTION | OAKS |
| Headquarters State | CO | PA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 716509 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 29 | 643 |
| Established | Dec. 16, 1960, midnight | Jan. 2, 2001, 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.
View full Home Loan State Bank profile | View full Sei Private Trust Company profile | Browse all bank comparisons