Bank Comparison
Reading Co-operative Bank vs Saint Louis Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Reading Co-operative Bank | Saint Louis Bank |
|---|---|---|
| CET1 Ratio | 10.62% | 9.97% |
| Tier 1 Capital Ratio | 10.62% | 9.97% |
| Total Capital Ratio | 11.33% | 11.14% |
| Tier 1 Leverage Ratio | 7.14% | 8.60% |
| Equity / Assets | 6.42% | 8.04% |
Profitability
| Metric | Reading Co-operative Bank | Saint Louis Bank |
|---|---|---|
| Return on Assets (ROA) | 0.43% | 0.95% |
| Return on Equity (ROE) | 6.81% | 11.54% |
| Net Interest Margin (NIM) | 3.28% | 3.32% |
| Yield on Earning Assets | 5.33% | 5.73% |
| Cost of Funds | 2.09% | 2.71% |
Asset quality
| Metric | Reading Co-operative Bank | Saint Louis Bank |
|---|---|---|
| Texas Ratio | 1.99% | 20.20% |
| Non-Performing Loan Ratio | 0.09% | 2.04% |
| Non-Performing Asset Ratio | 0.07% | 1.72% |
| Net Charge-Off Ratio | 0.07% | -0.03% |
| ACL / Loans | 0.57% | 1.24% |
Balance sheet
| Metric | Reading Co-operative Bank | Saint Louis Bank |
|---|---|---|
| Total Assets | $1,176M | $1,177M |
| Total Deposits | $1,048M | $1,063M |
| Total Loans | $947,242K | $898,320K |
| Total Equity | $75,501K | $94,684K |
| Net Income (quarter) | $1,274K | $2,719K |
Liquidity & funding
| Metric | Reading Co-operative Bank | Saint Louis Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.36% | 84.43% |
| Core Deposit Ratio | 86.41% | 96.73% |
| Uninsured Deposit Ratio | 30.81% | 22.09% |
Identity
| Metric | Reading Co-operative Bank | Saint Louis Bank |
|---|---|---|
| Headquarters City | READING | SAINT LOUIS |
| Headquarters State | MA | MO |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 13 | 2 |
| Employees (FTE) | 115 | 63 |
| Established | Jan. 1, 1886, midnight | June 6, 2005, 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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