Bank Comparison
Paducah Bank and Trust Company, the vs Keystone Bank, SSB
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Paducah Bank and Trust Company, the | Keystone Bank, SSB |
|---|---|---|
| CET1 Ratio | 12.91% | 11.97% |
| Tier 1 Capital Ratio | 12.91% | 11.97% |
| Total Capital Ratio | 14.16% | 12.96% |
| Tier 1 Leverage Ratio | 10.43% | 9.41% |
| Equity / Assets | 10.21% | 10.19% |
Profitability
| Metric | Paducah Bank and Trust Company, the | Keystone Bank, SSB |
|---|---|---|
| Return on Assets (ROA) | 2.28% | -0.09% |
| Return on Equity (ROE) | 21.82% | -0.94% |
| Net Interest Margin (NIM) | 4.19% | 3.54% |
| Yield on Earning Assets | 5.86% | 6.29% |
| Cost of Funds | 1.86% | 3.12% |
Asset quality
| Metric | Paducah Bank and Trust Company, the | Keystone Bank, SSB |
|---|---|---|
| Texas Ratio | 1.80% | 0.99% |
| Non-Performing Loan Ratio | 0.08% | 0.13% |
| Non-Performing Asset Ratio | 0.06% | 0.10% |
| Net Charge-Off Ratio | 0.01% | 2.35% |
| ACL / Loans | 1.58% | 0.96% |
Balance sheet
| Metric | Paducah Bank and Trust Company, the | Keystone Bank, SSB |
|---|---|---|
| Total Assets | $1,015M | $1,018M |
| Total Deposits | $831,599K | $864,854K |
| Total Loans | $789,758K | $814,886K |
| Total Equity | $103,728K | $103,749K |
| Net Income (quarter) | $5,916K | $-245 |
Liquidity & funding
| Metric | Paducah Bank and Trust Company, the | Keystone Bank, SSB |
|---|---|---|
| Loan-to-Deposit Ratio | 94.97% | 94.22% |
| Core Deposit Ratio | 98.53% | 91.68% |
| Uninsured Deposit Ratio | 24.77% | — |
Identity
| Metric | Paducah Bank and Trust Company, the | Keystone Bank, SSB |
|---|---|---|
| Headquarters City | PADUCAH | Austin |
| Headquarters State | KY | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 140 | 92 |
| Established | Jan. 24, 1948, midnight | April 1, 1997, 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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