Bank Comparison
Peoples Bank & Trust Company vs Bank of South Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Peoples Bank & Trust Company | Bank of South Texas |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.26% | 16.57% |
| Equity / Assets | 13.90% | 18.29% |
Profitability
| Metric | Peoples Bank & Trust Company | Bank of South Texas |
|---|---|---|
| Return on Assets (ROA) | 1.68% | 0.85% |
| Return on Equity (ROE) | 12.33% | 4.66% |
| Net Interest Margin (NIM) | 4.81% | 6.70% |
| Yield on Earning Assets | 5.95% | 8.45% |
| Cost of Funds | 1.28% | 1.94% |
Asset quality
| Metric | Peoples Bank & Trust Company | Bank of South Texas |
|---|---|---|
| Texas Ratio | 0.09% | 0.71% |
| Non-Performing Loan Ratio | 0.02% | 0.00% |
| Non-Performing Asset Ratio | 0.01% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.41% | 1.23% |
Balance sheet
| Metric | Peoples Bank & Trust Company | Bank of South Texas |
|---|---|---|
| Total Assets | $170,365K | $170,561K |
| Total Deposits | $144,842K | $137,765K |
| Total Loans | $114,332K | $117,713K |
| Total Equity | $23,675K | $31,188K |
| Net Income (quarter) | $720 | $362 |
Liquidity & funding
| Metric | Peoples Bank & Trust Company | Bank of South Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 78.94% | 85.44% |
| Core Deposit Ratio | 87.63% | 77.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Peoples Bank & Trust Company | Bank of South Texas |
|---|---|---|
| Headquarters City | MANCHESTER | MCALLEN |
| Headquarters State | TN | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 8 |
| Employees (FTE) | 27 | 70 |
| Established | July 6, 1905, midnight | July 8, 1986, 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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