Bank Comparison
Peach State Bank & Trust vs Mrv Banks
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Peach State Bank & Trust | Mrv Banks |
|---|---|---|
| CET1 Ratio | 15.11% | — |
| Tier 1 Capital Ratio | 15.11% | — |
| Total Capital Ratio | 16.36% | — |
| Tier 1 Leverage Ratio | 9.69% | 11.03% |
| Equity / Assets | 9.11% | 11.28% |
Profitability
| Metric | Peach State Bank & Trust | Mrv Banks |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 1.70% |
| Return on Equity (ROE) | 14.58% | 15.77% |
| Net Interest Margin (NIM) | 3.75% | 4.40% |
| Yield on Earning Assets | 5.53% | 6.76% |
| Cost of Funds | 1.88% | 2.46% |
Asset quality
| Metric | Peach State Bank & Trust | Mrv Banks |
|---|---|---|
| Texas Ratio | 0.00% | 52.34% |
| Non-Performing Loan Ratio | 0.00% | 6.05% |
| Non-Performing Asset Ratio | 0.00% | 6.76% |
| Net Charge-Off Ratio | -0.03% | 0.36% |
| ACL / Loans | 1.18% | 3.71% |
Balance sheet
| Metric | Peach State Bank & Trust | Mrv Banks |
|---|---|---|
| Total Assets | $789,280K | $787,128K |
| Total Deposits | $713,478K | $641,430K |
| Total Loans | $498,190K | $654,899K |
| Total Equity | $71,924K | $88,767K |
| Net Income (quarter) | $2,584K | $3,433K |
Liquidity & funding
| Metric | Peach State Bank & Trust | Mrv Banks |
|---|---|---|
| Loan-to-Deposit Ratio | 69.83% | 102.10% |
| Core Deposit Ratio | 96.09% | 92.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peach State Bank & Trust | Mrv Banks |
|---|---|---|
| Headquarters City | GAINESVILLE | SAINTE GENEVIEVE |
| Headquarters State | GA | MO |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 76 | 79 |
| Established | April 27, 2005, midnight | July 16, 2007, 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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