Bank Comparison
State Bank of Faribault, the vs State Bank of Graymont
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Bank of Faribault, the | State Bank of Graymont |
|---|---|---|
| CET1 Ratio | 13.22% | — |
| Tier 1 Capital Ratio | 13.22% | — |
| Total Capital Ratio | 14.47% | — |
| Tier 1 Leverage Ratio | 9.31% | 11.36% |
| Equity / Assets | 7.02% | 11.37% |
Profitability
| Metric | State Bank of Faribault, the | State Bank of Graymont |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 0.93% |
| Return on Equity (ROE) | 16.56% | 8.40% |
| Net Interest Margin (NIM) | 3.93% | 2.90% |
| Yield on Earning Assets | 5.30% | 4.50% |
| Cost of Funds | 1.44% | 1.79% |
Asset quality
| Metric | State Bank of Faribault, the | State Bank of Graymont |
|---|---|---|
| Texas Ratio | 7.03% | 19.22% |
| Non-Performing Loan Ratio | 1.01% | 3.82% |
| Non-Performing Asset Ratio | 0.57% | 2.23% |
| Net Charge-Off Ratio | -0.07% | 0.00% |
| ACL / Loans | 1.87% | 1.23% |
Balance sheet
| Metric | State Bank of Faribault, the | State Bank of Graymont |
|---|---|---|
| Total Assets | $323,153K | $323,117K |
| Total Deposits | $296,570K | $281,562K |
| Total Loans | $181,117K | $188,322K |
| Total Equity | $22,681K | $36,732K |
| Net Income (quarter) | $924 | $766 |
Liquidity & funding
| Metric | State Bank of Faribault, the | State Bank of Graymont |
|---|---|---|
| Loan-to-Deposit Ratio | 61.07% | 66.88% |
| Core Deposit Ratio | 96.90% | 86.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Faribault, the | State Bank of Graymont |
|---|---|---|
| Headquarters City | FARIBAULT | GRAYMONT |
| Headquarters State | MN | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 46 | 43 |
| Established | Nov. 14, 1919, midnight | Jan. 1, 1913, 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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