Bank Comparison
Security Federal Bank vs US Metro Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Security Federal Bank | US Metro Bank |
|---|---|---|
| CET1 Ratio | 19.75% | 12.80% |
| Tier 1 Capital Ratio | 19.75% | 12.80% |
| Total Capital Ratio | 21.01% | 14.05% |
| Tier 1 Leverage Ratio | 10.54% | 10.61% |
| Equity / Assets | 9.41% | 10.16% |
Profitability
| Metric | Security Federal Bank | US Metro Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 1.03% |
| Return on Equity (ROE) | 8.39% | 10.03% |
| Net Interest Margin (NIM) | 3.22% | 3.29% |
| Yield on Earning Assets | 4.95% | 5.94% |
| Cost of Funds | 1.83% | 2.91% |
Asset quality
| Metric | Security Federal Bank | US Metro Bank |
|---|---|---|
| Texas Ratio | 3.87% | 13.94% |
| Non-Performing Loan Ratio | 0.80% | 1.62% |
| Non-Performing Asset Ratio | 0.39% | 1.56% |
| Net Charge-Off Ratio | 0.05% | 0.27% |
| ACL / Loans | 2.00% | 1.27% |
Balance sheet
| Metric | Security Federal Bank | US Metro Bank |
|---|---|---|
| Total Assets | $1,562M | $1,563M |
| Total Deposits | $1,377M | $1,362M |
| Total Loans | $681,154K | $1,302M |
| Total Equity | $146,980K | $158,805K |
| Net Income (quarter) | $3,056K | $3,949K |
Liquidity & funding
| Metric | Security Federal Bank | US Metro Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 49.45% | 95.60% |
| Core Deposit Ratio | 93.73% | 66.35% |
| Uninsured Deposit Ratio | 24.95% | 45.40% |
Identity
| Metric | Security Federal Bank | US Metro Bank |
|---|---|---|
| Headquarters City | AIKEN | GARDEN GROVE |
| Headquarters State | SC | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 19 | 11 |
| Employees (FTE) | 253 | 202 |
| Established | Jan. 1, 1922, midnight | Sept. 15, 2006, 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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