Bank Comparison
Security Bank and Trust Company vs State Bank and Trust Company, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 8
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Security Bank and Trust Company | State Bank and Trust Company, the |
|---|---|---|
| CET1 Ratio | 14.33% | 12.21% |
| Tier 1 Capital Ratio | 14.33% | 12.21% |
| Total Capital Ratio | 14.59% | 13.47% |
| Tier 1 Leverage Ratio | 11.14% | 9.91% |
| Equity / Assets | 11.04% | 10.08% |
Profitability
| Metric | Security Bank and Trust Company | State Bank and Trust Company, the |
|---|---|---|
| Return on Assets (ROA) | 1.57% | 1.16% |
| Return on Equity (ROE) | 14.08% | 11.75% |
| Net Interest Margin (NIM) | 3.64% | 3.58% |
| Yield on Earning Assets | 5.94% | 5.29% |
| Cost of Funds | 2.44% | 1.80% |
Asset quality
| Metric | Security Bank and Trust Company | State Bank and Trust Company, the |
|---|---|---|
| Texas Ratio | 0.33% | 3.09% |
| Non-Performing Loan Ratio | 0.04% | 0.32% |
| Non-Performing Asset Ratio | 0.03% | 0.29% |
| Net Charge-Off Ratio | 0.01% | 0.01% |
| ACL / Loans | 0.28% | 1.38% |
Balance sheet
| Metric | Security Bank and Trust Company | State Bank and Trust Company, the |
|---|---|---|
| Total Assets | $1,601M | $1,597M |
| Total Deposits | $1,359M | $1,382M |
| Total Loans | $1,157M | $1,188M |
| Total Equity | $176,780K | $160,962K |
| Net Income (quarter) | $6,201K | $4,664K |
Liquidity & funding
| Metric | Security Bank and Trust Company | State Bank and Trust Company, the |
|---|---|---|
| Loan-to-Deposit Ratio | 85.15% | 85.95% |
| Core Deposit Ratio | 95.19% | 95.87% |
| Uninsured Deposit Ratio | 35.62% | 26.49% |
Identity
| Metric | Security Bank and Trust Company | State Bank and Trust Company, the |
|---|---|---|
| Headquarters City | PARIS | DEFIANCE |
| Headquarters State | TN | OH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 16 | 29 |
| Employees (FTE) | 168 | 250 |
| Established | Jan. 1, 1905, midnight | March 28, 1902, 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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