Bank Comparison
State Bank and Trust Company, the vs Vinton County National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | State Bank and Trust Company, the | Vinton County National Bank |
|---|---|---|
| CET1 Ratio | 12.21% | — |
| Tier 1 Capital Ratio | 12.21% | — |
| Total Capital Ratio | 13.47% | — |
| Tier 1 Leverage Ratio | 9.91% | 10.51% |
| Equity / Assets | 10.08% | 10.28% |
Profitability
| Metric | State Bank and Trust Company, the | Vinton County National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 1.23% |
| Return on Equity (ROE) | 11.75% | 12.16% |
| Net Interest Margin (NIM) | 3.58% | 3.72% |
| Yield on Earning Assets | 5.29% | 5.41% |
| Cost of Funds | 1.80% | 1.86% |
Asset quality
| Metric | State Bank and Trust Company, the | Vinton County National Bank |
|---|---|---|
| Texas Ratio | 3.09% | 2.35% |
| Non-Performing Loan Ratio | 0.32% | 0.29% |
| Non-Performing Asset Ratio | 0.29% | 0.20% |
| Net Charge-Off Ratio | 0.01% | 0.08% |
| ACL / Loans | 1.38% | 1.01% |
Balance sheet
| Metric | State Bank and Trust Company, the | Vinton County National Bank |
|---|---|---|
| Total Assets | $1,597M | $1,577M |
| Total Deposits | $1,382M | $1,388M |
| Total Loans | $1,188M | $1,100M |
| Total Equity | $160,962K | $162,081K |
| Net Income (quarter) | $4,664K | $4,886K |
Liquidity & funding
| Metric | State Bank and Trust Company, the | Vinton County National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.95% | 79.26% |
| Core Deposit Ratio | 95.87% | 90.71% |
| Uninsured Deposit Ratio | 26.49% | 30.46% |
Identity
| Metric | State Bank and Trust Company, the | Vinton County National Bank |
|---|---|---|
| Headquarters City | DEFIANCE | MC ARTHUR |
| Headquarters State | OH | OH |
| Asset Tier | Large | Large |
| Charter Class | 0 | 2036 |
| Regulator | FED | OCC |
| Domestic Branches | 29 | 17 |
| Employees (FTE) | 250 | 237 |
| Established | March 28, 1902, midnight | Jan. 1, 1867, 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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