Bank Comparison
Mercer County State Bank vs Gulf Capital 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 | Mercer County State Bank | Gulf Capital Bank |
|---|---|---|
| CET1 Ratio | — | 16.51% |
| Tier 1 Capital Ratio | — | 16.51% |
| Total Capital Ratio | — | 17.50% |
| Tier 1 Leverage Ratio | 10.46% | 13.65% |
| Equity / Assets | 7.88% | 12.98% |
Profitability
| Metric | Mercer County State Bank | Gulf Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 1.06% | 0.55% |
| Return on Equity (ROE) | 13.52% | 4.19% |
| Net Interest Margin (NIM) | 3.69% | 3.14% |
| Yield on Earning Assets | 5.02% | 5.89% |
| Cost of Funds | 1.41% | 3.14% |
Asset quality
| Metric | Mercer County State Bank | Gulf Capital Bank |
|---|---|---|
| Texas Ratio | 17.97% | 5.45% |
| Non-Performing Loan Ratio | 1.95% | 0.76% |
| Non-Performing Asset Ratio | 1.29% | 0.46% |
| Net Charge-Off Ratio | 0.09% | 0.00% |
| ACL / Loans | 1.14% | 1.17% |
Balance sheet
| Metric | Mercer County State Bank | Gulf Capital Bank |
|---|---|---|
| Total Assets | $601,730K | $601,870K |
| Total Deposits | $527,393K | $506,870K |
| Total Loans | $396,899K | $365,644K |
| Total Equity | $47,414K | $78,106K |
| Net Income (quarter) | $1,599K | $820 |
Liquidity & funding
| Metric | Mercer County State Bank | Gulf Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.26% | 72.14% |
| Core Deposit Ratio | 90.68% | 79.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Mercer County State Bank | Gulf Capital Bank |
|---|---|---|
| Headquarters City | SANDY LAKE | HOUSTON |
| Headquarters State | PA | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 1 |
| Employees (FTE) | 108 | 61 |
| Established | June 20, 1911, midnight | Dec. 18, 2019, 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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