Bank Comparison
State Bank of Chandler vs Grand Timber Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 10
winning metrics across 22 comparable rows
Capital adequacy
| Metric | State Bank of Chandler | Grand Timber Bank |
|---|---|---|
| CET1 Ratio | 16.12% | 14.20% |
| Tier 1 Capital Ratio | 16.12% | 14.20% |
| Total Capital Ratio | 17.37% | 15.45% |
| Tier 1 Leverage Ratio | 10.94% | 11.35% |
| Equity / Assets | 10.85% | 13.26% |
Profitability
| Metric | State Bank of Chandler | Grand Timber Bank |
|---|---|---|
| Return on Assets (ROA) | 1.34% | 1.51% |
| Return on Equity (ROE) | 12.53% | 11.50% |
| Net Interest Margin (NIM) | 3.99% | 5.89% |
| Yield on Earning Assets | 5.78% | 7.22% |
| Cost of Funds | 2.00% | 1.47% |
Asset quality
| Metric | State Bank of Chandler | Grand Timber Bank |
|---|---|---|
| Texas Ratio | 6.57% | 38.62% |
| Non-Performing Loan Ratio | 1.16% | 4.98% |
| Non-Performing Asset Ratio | 0.78% | 4.47% |
| Net Charge-Off Ratio | 0.00% | 1.16% |
| ACL / Loans | 1.60% | 1.14% |
Balance sheet
| Metric | State Bank of Chandler | Grand Timber Bank |
|---|---|---|
| Total Assets | $68,470K | $65,168K |
| Total Deposits | $60,101K | $53,648K |
| Total Loans | $46,234K | $55,018K |
| Total Equity | $7,431K | $8,640K |
| Net Income (quarter) | $234 | $245 |
Liquidity & funding
| Metric | State Bank of Chandler | Grand Timber Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.93% | 102.55% |
| Core Deposit Ratio | 95.68% | 95.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Chandler | Grand Timber Bank |
|---|---|---|
| Headquarters City | CHANDLER | MCGREGOR |
| Headquarters State | MN | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9 | 12 |
| Established | Jan. 1, 1902, midnight | March 18, 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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