Bank Comparison
Schuyler Savings Bank vs Pineries Bank, the
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 | Schuyler Savings Bank | Pineries Bank, the |
|---|---|---|
| CET1 Ratio | — | 21.59% |
| Tier 1 Capital Ratio | — | 21.59% |
| Total Capital Ratio | — | 22.47% |
| Tier 1 Leverage Ratio | 13.95% | 11.08% |
| Equity / Assets | 14.05% | 11.21% |
Profitability
| Metric | Schuyler Savings Bank | Pineries Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.21% | 1.51% |
| Return on Equity (ROE) | 1.46% | 13.53% |
| Net Interest Margin (NIM) | 2.48% | 3.38% |
| Yield on Earning Assets | 4.67% | 4.96% |
| Cost of Funds | 2.56% | 1.69% |
Asset quality
| Metric | Schuyler Savings Bank | Pineries Bank, the |
|---|---|---|
| Texas Ratio | 2.96% | 0.00% |
| Non-Performing Loan Ratio | 0.53% | 0.00% |
| Non-Performing Asset Ratio | 0.44% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.85% | 0.64% |
Balance sheet
| Metric | Schuyler Savings Bank | Pineries Bank, the |
|---|---|---|
| Total Assets | $149,725K | $149,428K |
| Total Deposits | $116,641K | $131,324K |
| Total Loans | $122,714K | $97,064K |
| Total Equity | $21,042K | $16,751K |
| Net Income (quarter) | $77 | $560 |
Liquidity & funding
| Metric | Schuyler Savings Bank | Pineries Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 105.21% | 73.91% |
| Core Deposit Ratio | 74.62% | 91.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Schuyler Savings Bank | Pineries Bank, the |
|---|---|---|
| Headquarters City | KEARNY | STEVENS POINT |
| Headquarters State | NJ | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 15 | 11 |
| Established | Jan. 1, 1924, midnight | June 1, 1906, 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.
View full Schuyler Savings Bank profile | View full Pineries Bank, the profile | Browse all bank comparisons