Bank Comparison
Sainte Marie State Bank vs Hertford Savings Bank, Ssb
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Sainte Marie State Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 18.45% | 10.78% |
| Equity / Assets | 17.66% | 10.76% |
Profitability
| Metric | Sainte Marie State Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Return on Assets (ROA) | 0.90% | -0.29% |
| Return on Equity (ROE) | 4.93% | -2.72% |
| Net Interest Margin (NIM) | 4.52% | 2.91% |
| Yield on Earning Assets | 6.18% | 5.40% |
| Cost of Funds | 1.65% | 2.60% |
Asset quality
| Metric | Sainte Marie State Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Texas Ratio | 6.68% | 1.42% |
| Non-Performing Loan Ratio | 2.94% | 0.00% |
| Non-Performing Asset Ratio | 1.21% | 0.00% |
| Net Charge-Off Ratio | 1.39% | 0.00% |
| ACL / Loans | 1.14% | 0.97% |
Balance sheet
| Metric | Sainte Marie State Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Total Assets | $20,729K | $20,416K |
| Total Deposits | $16,876K | $18,195K |
| Total Loans | $8,538K | $13,880K |
| Total Equity | $3,661K | $2,196K |
| Net Income (quarter) | $45 | $-15 |
Liquidity & funding
| Metric | Sainte Marie State Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Loan-to-Deposit Ratio | 50.59% | 76.28% |
| Core Deposit Ratio | 92.53% | 89.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Sainte Marie State Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Headquarters City | SAINTE MARIE | HERTFORD |
| Headquarters State | IL | NC |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 8 | 3 |
| Established | — | Jan. 1, 1923, 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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