Bank Comparison
State Bank vs Sewickley Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | State Bank | Sewickley Savings Bank |
|---|---|---|
| CET1 Ratio | 10.60% | 49.10% |
| Tier 1 Capital Ratio | 10.60% | 49.10% |
| Total Capital Ratio | 11.47% | 49.10% |
| Tier 1 Leverage Ratio | 9.05% | 25.15% |
| Equity / Assets | 6.95% | 22.42% |
Profitability
| Metric | State Bank | Sewickley Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.31% | 0.76% |
| Return on Equity (ROE) | 4.26% | 3.27% |
| Net Interest Margin (NIM) | 3.11% | 2.44% |
| Yield on Earning Assets | 5.07% | 5.10% |
| Cost of Funds | 1.97% | 3.16% |
Asset quality
| Metric | State Bank | Sewickley Savings Bank |
|---|---|---|
| Texas Ratio | 31.34% | 2.57% |
| Non-Performing Loan Ratio | 3.83% | 3.12% |
| Non-Performing Asset Ratio | 2.40% | 0.58% |
| Net Charge-Off Ratio | 1.28% | 0.00% |
| ACL / Loans | 1.11% | 0.83% |
Balance sheet
| Metric | State Bank | Sewickley Savings Bank |
|---|---|---|
| Total Assets | $320,050K | $319,972K |
| Total Deposits | $291,627K | $226,825K |
| Total Loans | $200,500K | $59,537K |
| Total Equity | $22,255K | $71,728K |
| Net Income (quarter) | $235 | $592 |
Liquidity & funding
| Metric | State Bank | Sewickley Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.75% | 26.25% |
| Core Deposit Ratio | 90.24% | 84.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank | Sewickley Savings Bank |
|---|---|---|
| Headquarters City | WATERLOO | SEWICKLEY |
| Headquarters State | IL | PA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 54 | 24 |
| Established | Jan. 4, 1894, midnight | Jan. 1, 1884, 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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