Bank Comparison
ST. Charles Bank & Trust Company, N.A. vs Home Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 19
winning metrics across 24 comparable rows
Capital adequacy
| Metric | ST. Charles Bank & Trust Company, N.A. | Home Bank, N.A. |
|---|---|---|
| CET1 Ratio | 10.87% | 14.44% |
| Tier 1 Capital Ratio | 10.87% | 14.44% |
| Total Capital Ratio | 11.56% | 15.65% |
| Tier 1 Leverage Ratio | 9.38% | 12.11% |
| Equity / Assets | 10.02% | 13.67% |
Profitability
| Metric | ST. Charles Bank & Trust Company, N.A. | Home Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.37% |
| Return on Equity (ROE) | 13.53% | 10.12% |
| Net Interest Margin (NIM) | 3.07% | 4.27% |
| Yield on Earning Assets | 5.37% | 5.77% |
| Cost of Funds | 2.49% | 1.65% |
Asset quality
| Metric | ST. Charles Bank & Trust Company, N.A. | Home Bank, N.A. |
|---|---|---|
| Texas Ratio | 6.44% | 15.57% |
| Non-Performing Loan Ratio | 0.74% | 2.33% |
| Non-Performing Asset Ratio | 0.57% | 1.91% |
| Net Charge-Off Ratio | 0.12% | 0.06% |
| ACL / Loans | 0.66% | 1.23% |
Balance sheet
| Metric | ST. Charles Bank & Trust Company, N.A. | Home Bank, N.A. |
|---|---|---|
| Total Assets | $3,542M | $3,543M |
| Total Deposits | $2,992M | $3,032M |
| Total Loans | $2,711M | $2,729M |
| Total Equity | $355,158K | $484,460K |
| Net Income (quarter) | $11,883K | $12,101K |
Liquidity & funding
| Metric | ST. Charles Bank & Trust Company, N.A. | Home Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 90.62% | 90.00% |
| Core Deposit Ratio | 91.92% | 92.63% |
| Uninsured Deposit Ratio | 28.38% | 30.32% |
Identity
| Metric | ST. Charles Bank & Trust Company, N.A. | Home Bank, N.A. |
|---|---|---|
| Headquarters City | SAINT CHARLES | LAFAYETTE |
| Headquarters State | IL | LA |
| Asset Tier | Large | Large |
| Charter Class | 25211 | 25106 |
| Regulator | OCC | OCC |
| Domestic Branches | 10 | 44 |
| Employees (FTE) | 105 | 489 |
| Established | Sept. 21, 1987, midnight | Jan. 1, 1908, 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 ST. Charles Bank & Trust Company, N.A. profile | View full Home Bank, N.A. profile | Browse all bank comparisons