Bank Comparison
Nbt Financial Bank vs Southtrust Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 15
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Nbt Financial Bank | Southtrust Bank, N.A. |
|---|---|---|
| CET1 Ratio | 14.02% | 20.42% |
| Tier 1 Capital Ratio | 14.02% | 20.42% |
| Total Capital Ratio | 15.28% | 21.67% |
| Tier 1 Leverage Ratio | 10.79% | 12.04% |
| Equity / Assets | 10.53% | 11.58% |
Profitability
| Metric | Nbt Financial Bank | Southtrust Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 1.27% |
| Return on Equity (ROE) | 14.07% | 10.62% |
| Net Interest Margin (NIM) | 4.30% | 4.30% |
| Yield on Earning Assets | 6.30% | 5.52% |
| Cost of Funds | 2.14% | 1.26% |
Asset quality
| Metric | Nbt Financial Bank | Southtrust Bank, N.A. |
|---|---|---|
| Texas Ratio | 14.85% | 1.22% |
| Non-Performing Loan Ratio | 2.23% | 0.20% |
| Non-Performing Asset Ratio | 1.67% | 0.15% |
| Net Charge-Off Ratio | 0.04% | 0.11% |
| ACL / Loans | 1.35% | 1.41% |
Balance sheet
| Metric | Nbt Financial Bank | Southtrust Bank, N.A. |
|---|---|---|
| Total Assets | $598,478K | $596,956K |
| Total Deposits | $521,801K | $524,262K |
| Total Loans | $449,614K | $339,311K |
| Total Equity | $62,999K | $69,147K |
| Net Income (quarter) | $2,192K | $1,830K |
Liquidity & funding
| Metric | Nbt Financial Bank | Southtrust Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 86.17% | 64.72% |
| Core Deposit Ratio | 79.00% | 93.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Nbt Financial Bank | Southtrust Bank, N.A. |
|---|---|---|
| Headquarters City | FORT WORTH | GEORGE WEST |
| Headquarters State | TX | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 14012 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 8 |
| Employees (FTE) | 77 | 100 |
| Established | Nov. 29, 1973, midnight | Feb. 17, 1934, 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 Nbt Financial Bank profile | View full Southtrust Bank, N.A. profile | Browse all bank comparisons