Bank Comparison
State Bank vs Sundown State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 16
winning metrics across 22 comparable rows
Capital adequacy
| Metric | State Bank | Sundown State Bank |
|---|---|---|
| CET1 Ratio | 10.60% | 16.26% |
| Tier 1 Capital Ratio | 10.60% | 16.26% |
| Total Capital Ratio | 11.47% | 17.24% |
| Tier 1 Leverage Ratio | 9.05% | 12.33% |
| Equity / Assets | 6.95% | 12.08% |
Profitability
| Metric | State Bank | Sundown State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.31% | 6.49% |
| Return on Equity (ROE) | 4.26% | 56.35% |
| Net Interest Margin (NIM) | 3.11% | 4.25% |
| Yield on Earning Assets | 5.07% | 5.92% |
| Cost of Funds | 1.97% | 1.77% |
Asset quality
| Metric | State Bank | Sundown State Bank |
|---|---|---|
| Texas Ratio | 31.34% | 7.71% |
| Non-Performing Loan Ratio | 3.83% | 0.08% |
| Non-Performing Asset Ratio | 2.40% | 0.05% |
| Net Charge-Off Ratio | 1.28% | 0.19% |
| ACL / Loans | 1.11% | 1.06% |
Balance sheet
| Metric | State Bank | Sundown State Bank |
|---|---|---|
| Total Assets | $320,050K | $319,677K |
| Total Deposits | $291,627K | $278,463K |
| Total Loans | $200,500K | $195,085K |
| Total Equity | $22,255K | $38,609K |
| Net Income (quarter) | $235 | $5,081K |
Liquidity & funding
| Metric | State Bank | Sundown State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.75% | 70.06% |
| Core Deposit Ratio | 90.24% | 87.90% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank | Sundown State Bank |
|---|---|---|
| Headquarters City | WATERLOO | SUNDOWN |
| Headquarters State | IL | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 54 | 35 |
| Established | Jan. 4, 1894, midnight | May 21, 1963, 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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