Bank Comparison
Jefferson Bank vs State Bank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 13
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Jefferson Bank | State Bank of Texas |
|---|---|---|
| CET1 Ratio | 12.64% | — |
| Tier 1 Capital Ratio | 12.64% | — |
| Total Capital Ratio | 13.41% | — |
| Tier 1 Leverage Ratio | 9.48% | 14.73% |
| Equity / Assets | 8.60% | 14.52% |
Profitability
| Metric | Jefferson Bank | State Bank of Texas |
|---|---|---|
| Return on Assets (ROA) | 1.07% | 3.96% |
| Return on Equity (ROE) | 12.77% | 26.95% |
| Net Interest Margin (NIM) | 3.56% | 5.05% |
| Yield on Earning Assets | 5.09% | 8.31% |
| Cost of Funds | 1.54% | 3.65% |
Asset quality
| Metric | Jefferson Bank | State Bank of Texas |
|---|---|---|
| Texas Ratio | 6.50% | 14.96% |
| Non-Performing Loan Ratio | 0.70% | 1.15% |
| Non-Performing Asset Ratio | 0.48% | 2.22% |
| Net Charge-Off Ratio | 0.08% | 0.01% |
| ACL / Loans | 0.82% | 1.07% |
Balance sheet
| Metric | Jefferson Bank | State Bank of Texas |
|---|---|---|
| Total Assets | $2,794M | $2,764M |
| Total Deposits | $2,530M | $2,223M |
| Total Loans | $1,915M | $2,231M |
| Total Equity | $240,465K | $401,316K |
| Net Income (quarter) | $7,636K | $27,239K |
Liquidity & funding
| Metric | Jefferson Bank | State Bank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 75.70% | 100.35% |
| Core Deposit Ratio | 78.20% | 83.03% |
| Uninsured Deposit Ratio | 55.19% | 17.22% |
Identity
| Metric | Jefferson Bank | State Bank of Texas |
|---|---|---|
| Headquarters City | SAN ANTONIO | IRVING |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 13 | 7 |
| Employees (FTE) | 401 | 96 |
| Established | Aug. 12, 1946, midnight | Oct. 19, 1987, 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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