Bank Comparison
State Bank of De Kalb vs Shoreham Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Bank of De Kalb | Shoreham Bank |
|---|---|---|
| CET1 Ratio | — | 12.86% |
| Tier 1 Capital Ratio | — | 12.86% |
| Total Capital Ratio | — | 14.13% |
| Tier 1 Leverage Ratio | 11.92% | 11.17% |
| Equity / Assets | 11.63% | 10.50% |
Profitability
| Metric | State Bank of De Kalb | Shoreham Bank |
|---|---|---|
| Return on Assets (ROA) | 2.18% | 0.30% |
| Return on Equity (ROE) | 18.45% | 2.73% |
| Net Interest Margin (NIM) | 4.70% | 4.27% |
| Yield on Earning Assets | 6.15% | 7.47% |
| Cost of Funds | 1.60% | 3.48% |
Asset quality
| Metric | State Bank of De Kalb | Shoreham Bank |
|---|---|---|
| Texas Ratio | 1.60% | 11.96% |
| Non-Performing Loan Ratio | 0.28% | 1.54% |
| Non-Performing Asset Ratio | 0.20% | 1.48% |
| Net Charge-Off Ratio | 0.00% | 1.14% |
| ACL / Loans | 1.54% | 2.13% |
Balance sheet
| Metric | State Bank of De Kalb | Shoreham Bank |
|---|---|---|
| Total Assets | $521,074K | $522,042K |
| Total Deposits | $458,342K | $417,845K |
| Total Loans | $368,146K | $457,573K |
| Total Equity | $60,604K | $54,818K |
| Net Income (quarter) | $2,750K | $375 |
Liquidity & funding
| Metric | State Bank of De Kalb | Shoreham Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.32% | 109.51% |
| Core Deposit Ratio | 90.66% | 91.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of De Kalb | Shoreham Bank |
|---|---|---|
| Headquarters City | DE KALB | WARWICK |
| Headquarters State | TX | RI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 712504 |
| Regulator | FDIC | OCC |
| Domestic Branches | 7 | 4 |
| Employees (FTE) | 93 | 101 |
| Established | Feb. 19, 1937, midnight | Jan. 1, 1979, 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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