Bank Comparison
State Bank vs Forest Park National Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 19
winning metrics across 23 comparable rows
Capital adequacy
| Metric | State Bank | Forest Park National Bank and Trust Company |
|---|---|---|
| CET1 Ratio | 10.60% | 10.77% |
| Tier 1 Capital Ratio | 10.60% | 10.77% |
| Total Capital Ratio | 11.47% | 12.02% |
| Tier 1 Leverage Ratio | 9.05% | 8.36% |
| Equity / Assets | 6.95% | 7.84% |
Profitability
| Metric | State Bank | Forest Park National Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.31% | 0.92% |
| Return on Equity (ROE) | 4.26% | 11.93% |
| Net Interest Margin (NIM) | 3.11% | 4.20% |
| Yield on Earning Assets | 5.07% | 5.69% |
| Cost of Funds | 1.97% | 1.60% |
Asset quality
| Metric | State Bank | Forest Park National Bank and Trust Company |
|---|---|---|
| Texas Ratio | 31.34% | 23.15% |
| Non-Performing Loan Ratio | 3.83% | 2.64% |
| Non-Performing Asset Ratio | 2.40% | 2.04% |
| Net Charge-Off Ratio | 1.28% | 0.00% |
| ACL / Loans | 1.11% | 1.23% |
Balance sheet
| Metric | State Bank | Forest Park National Bank and Trust Company |
|---|---|---|
| Total Assets | $320,050K | $320,396K |
| Total Deposits | $291,627K | $286,590K |
| Total Loans | $200,500K | $247,250K |
| Total Equity | $22,255K | $25,120K |
| Net Income (quarter) | $235 | $748 |
Liquidity & funding
| Metric | State Bank | Forest Park National Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 68.75% | 86.27% |
| Core Deposit Ratio | 90.24% | 93.20% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank | Forest Park National Bank and Trust Company |
|---|---|---|
| Headquarters City | WATERLOO | FOREST PARK |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 14566 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 2 |
| Employees (FTE) | 54 | 50 |
| Established | Jan. 4, 1894, midnight | May 15, 1943, 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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