Bank Comparison
Pbk Bank, Inc vs Equitable Savings and Loan Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Pbk Bank, Inc | Equitable Savings and Loan Association |
|---|---|---|
| CET1 Ratio | — | 29.34% |
| Tier 1 Capital Ratio | — | 29.34% |
| Total Capital Ratio | — | 29.72% |
| Tier 1 Leverage Ratio | 14.98% | 15.59% |
| Equity / Assets | 13.89% | 15.35% |
Profitability
| Metric | Pbk Bank, Inc | Equitable Savings and Loan Association |
|---|---|---|
| Return on Assets (ROA) | 1.80% | 0.15% |
| Return on Equity (ROE) | 13.07% | 0.94% |
| Net Interest Margin (NIM) | 4.98% | 3.27% |
| Yield on Earning Assets | 6.03% | 4.75% |
| Cost of Funds | 1.17% | 1.70% |
Asset quality
| Metric | Pbk Bank, Inc | Equitable Savings and Loan Association |
|---|---|---|
| Texas Ratio | 1.75% | 2.05% |
| Non-Performing Loan Ratio | 0.42% | 0.00% |
| Non-Performing Asset Ratio | 0.25% | 0.14% |
| Net Charge-Off Ratio | 0.31% | 0.00% |
| ACL / Loans | 0.64% | 0.24% |
Balance sheet
| Metric | Pbk Bank, Inc | Equitable Savings and Loan Association |
|---|---|---|
| Total Assets | $172,049K | $171,960K |
| Total Deposits | $147,556K | $131,643K |
| Total Loans | $102,935K | $143,863K |
| Total Equity | $23,896K | $26,399K |
| Net Income (quarter) | $776 | $62 |
Liquidity & funding
| Metric | Pbk Bank, Inc | Equitable Savings and Loan Association |
|---|---|---|
| Loan-to-Deposit Ratio | 69.76% | 109.28% |
| Core Deposit Ratio | 93.86% | 86.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Pbk Bank, Inc | Equitable Savings and Loan Association |
|---|---|---|
| Headquarters City | STANFORD | STERLING |
| Headquarters State | KY | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 10 |
| Employees (FTE) | 44 | 48 |
| Established | Jan. 1, 1906, midnight | Jan. 1, 1921, 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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