Bank Comparison
Security Bank USA vs Primebank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Security Bank USA | Primebank of Texas |
|---|---|---|
| CET1 Ratio | 14.46% | — |
| Tier 1 Capital Ratio | 14.46% | — |
| Total Capital Ratio | 15.71% | — |
| Tier 1 Leverage Ratio | 9.74% | 11.57% |
| Equity / Assets | 9.06% | 12.01% |
Profitability
| Metric | Security Bank USA | Primebank of Texas |
|---|---|---|
| Return on Assets (ROA) | 1.86% | 1.65% |
| Return on Equity (ROE) | 20.22% | 14.28% |
| Net Interest Margin (NIM) | 4.45% | 4.21% |
| Yield on Earning Assets | 5.97% | 6.06% |
| Cost of Funds | 1.62% | 2.00% |
Asset quality
| Metric | Security Bank USA | Primebank of Texas |
|---|---|---|
| Texas Ratio | 2.53% | 1.07% |
| Non-Performing Loan Ratio | 0.26% | 0.19% |
| Non-Performing Asset Ratio | 0.18% | 0.12% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.37% | 1.08% |
Balance sheet
| Metric | Security Bank USA | Primebank of Texas |
|---|---|---|
| Total Assets | $275,649K | $275,404K |
| Total Deposits | $249,898K | $241,338K |
| Total Loans | $189,582K | $175,347K |
| Total Equity | $24,977K | $33,088K |
| Net Income (quarter) | $1,244K | $1,163K |
Liquidity & funding
| Metric | Security Bank USA | Primebank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 75.86% | 72.66% |
| Core Deposit Ratio | 90.76% | 94.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security Bank USA | Primebank of Texas |
|---|---|---|
| Headquarters City | BEMIDJI | AUSTIN |
| Headquarters State | MN | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 50 | 27 |
| Established | Feb. 7, 1910, midnight | May 9, 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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