Bank Comparison
State Bank of Bement vs Peoples Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Bank of Bement | Peoples Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.91% | 9.80% |
| Equity / Assets | 9.86% | 8.10% |
Profitability
| Metric | State Bank of Bement | Peoples Bank |
|---|---|---|
| Return on Assets (ROA) | 0.71% | 1.77% |
| Return on Equity (ROE) | 7.38% | 21.61% |
| Net Interest Margin (NIM) | 3.86% | 3.92% |
| Yield on Earning Assets | 5.22% | 5.53% |
| Cost of Funds | 1.43% | 1.71% |
Asset quality
| Metric | State Bank of Bement | Peoples Bank |
|---|---|---|
| Texas Ratio | 1.41% | 0.81% |
| Non-Performing Loan Ratio | 0.17% | 0.09% |
| Non-Performing Asset Ratio | 0.10% | 0.07% |
| Net Charge-Off Ratio | 0.12% | 0.05% |
| ACL / Loans | 0.96% | 0.85% |
Balance sheet
| Metric | State Bank of Bement | Peoples Bank |
|---|---|---|
| Total Assets | $185,141K | $184,734K |
| Total Deposits | $165,833K | $168,340K |
| Total Loans | $110,265K | $142,413K |
| Total Equity | $18,255K | $14,964K |
| Net Income (quarter) | $335 | $809 |
Liquidity & funding
| Metric | State Bank of Bement | Peoples Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.49% | 84.60% |
| Core Deposit Ratio | 85.60% | 94.34% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Bement | Peoples Bank |
|---|---|---|
| Headquarters City | BEMENT | PARIS |
| Headquarters State | IL | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 30 | 33 |
| Established | Jan. 17, 1914, midnight | Dec. 15, 1988, 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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