Bank Comparison
Round Top State Bank vs Golden State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Round Top State Bank | Golden State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.93% | 10.62% |
| Equity / Assets | 10.05% | 10.83% |
Profitability
| Metric | Round Top State Bank | Golden State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 1.14% |
| Return on Equity (ROE) | 11.92% | 10.89% |
| Net Interest Margin (NIM) | 3.05% | 4.15% |
| Yield on Earning Assets | 4.91% | 6.84% |
| Cost of Funds | 2.06% | 3.12% |
Asset quality
| Metric | Round Top State Bank | Golden State Bank |
|---|---|---|
| Texas Ratio | 0.36% | 6.09% |
| Non-Performing Loan Ratio | 0.06% | 0.86% |
| Non-Performing Asset Ratio | 0.04% | 0.73% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.89% | 1.33% |
Balance sheet
| Metric | Round Top State Bank | Golden State Bank |
|---|---|---|
| Total Assets | $975,176K | $974,262K |
| Total Deposits | $873,624K | $828,311K |
| Total Loans | $602,040K | $823,622K |
| Total Equity | $97,957K | $105,518K |
| Net Income (quarter) | $2,900K | $2,833K |
Liquidity & funding
| Metric | Round Top State Bank | Golden State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.91% | 99.43% |
| Core Deposit Ratio | 82.84% | 76.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Round Top State Bank | Golden State Bank |
|---|---|---|
| Headquarters City | ROUND TOP | GLENDALE |
| Headquarters State | TX | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 3 |
| Employees (FTE) | 80 | 77 |
| Established | Jan. 1, 1912, midnight | Dec. 1, 2003, 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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