Bank Comparison
Southstar Bank, S.S.B. vs First Texas Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 14
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Southstar Bank, S.S.B. | First Texas Bank |
|---|---|---|
| CET1 Ratio | 18.49% | 19.75% |
| Tier 1 Capital Ratio | 18.49% | 19.75% |
| Total Capital Ratio | 19.33% | 20.16% |
| Tier 1 Leverage Ratio | 13.27% | 11.14% |
| Equity / Assets | 12.51% | 10.86% |
Profitability
| Metric | Southstar Bank, S.S.B. | First Texas Bank |
|---|---|---|
| Return on Assets (ROA) | 1.53% | 1.79% |
| Return on Equity (ROE) | 12.21% | 16.18% |
| Net Interest Margin (NIM) | 4.57% | 3.64% |
| Yield on Earning Assets | 6.37% | 4.37% |
| Cost of Funds | 1.99% | 0.80% |
Asset quality
| Metric | Southstar Bank, S.S.B. | First Texas Bank |
|---|---|---|
| Texas Ratio | 13.42% | 3.50% |
| Non-Performing Loan Ratio | 1.49% | 0.06% |
| Non-Performing Asset Ratio | 1.60% | 0.39% |
| Net Charge-Off Ratio | 0.10% | 0.01% |
| ACL / Loans | 0.77% | 0.50% |
Balance sheet
| Metric | Southstar Bank, S.S.B. | First Texas Bank |
|---|---|---|
| Total Assets | $1,336M | $1,329M |
| Total Deposits | $1,091M | $1,178M |
| Total Loans | $969,996K | $585,782K |
| Total Equity | $167,219K | $144,351K |
| Net Income (quarter) | $5,065K | $5,828K |
Liquidity & funding
| Metric | Southstar Bank, S.S.B. | First Texas Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.83% | 49.71% |
| Core Deposit Ratio | 82.79% | 92.99% |
| Uninsured Deposit Ratio | 32.73% | 27.38% |
Identity
| Metric | Southstar Bank, S.S.B. | First Texas Bank |
|---|---|---|
| Headquarters City | MOULTON | GEORGETOWN |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 16 | 11 |
| Employees (FTE) | 164 | 122 |
| Established | Nov. 6, 1920, midnight | Jan. 1, 1898, 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 Southstar Bank, S.S.B. profile | View full First Texas Bank profile | Browse all bank comparisons