Bank Comparison
Security Bank and Trust Company vs State Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 13
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Security Bank and Trust Company | State Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 10.31% | 15.76% |
| Tier 1 Capital Ratio | 10.31% | 15.76% |
| Total Capital Ratio | 11.57% | 17.02% |
| Tier 1 Leverage Ratio | 8.63% | 11.00% |
| Equity / Assets | 8.10% | 8.61% |
Profitability
| Metric | Security Bank and Trust Company | State Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.55% | 1.37% |
| Return on Equity (ROE) | 19.05% | 15.92% |
| Net Interest Margin (NIM) | 4.55% | 3.92% |
| Yield on Earning Assets | 6.93% | 5.44% |
| Cost of Funds | 2.44% | 1.64% |
Asset quality
| Metric | Security Bank and Trust Company | State Bank & Trust Company |
|---|---|---|
| Texas Ratio | 15.80% | 3.65% |
| Non-Performing Loan Ratio | 1.29% | 0.53% |
| Non-Performing Asset Ratio | 1.24% | 0.34% |
| Net Charge-Off Ratio | 0.01% | -0.04% |
| ACL / Loans | 1.53% | 1.45% |
Balance sheet
| Metric | Security Bank and Trust Company | State Bank & Trust Company |
|---|---|---|
| Total Assets | $155,261K | $155,295K |
| Total Deposits | $136,339K | $135,893K |
| Total Loans | $129,053K | $101,130K |
| Total Equity | $12,576K | $13,370K |
| Net Income (quarter) | $588 | $525 |
Liquidity & funding
| Metric | Security Bank and Trust Company | State Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 94.66% | 74.42% |
| Core Deposit Ratio | 90.77% | 86.96% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security Bank and Trust Company | State Bank & Trust Company |
|---|---|---|
| Headquarters City | MIAMI | GOLDEN MEADOW |
| Headquarters State | OK | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 27 | 32 |
| Established | Dec. 1, 1922, midnight | Jan. 16, 1953, 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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