Bank Comparison
State Bank of Newburg vs First State Bank of Burnet
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Bank of Newburg | First State Bank of Burnet |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.62% | 12.47% |
| Equity / Assets | 16.50% | 10.55% |
Profitability
| Metric | State Bank of Newburg | First State Bank of Burnet |
|---|---|---|
| Return on Assets (ROA) | 2.07% | 1.47% |
| Return on Equity (ROE) | 12.66% | 13.81% |
| Net Interest Margin (NIM) | 4.16% | 3.75% |
| Yield on Earning Assets | 6.52% | 4.71% |
| Cost of Funds | 2.67% | 1.06% |
Asset quality
| Metric | State Bank of Newburg | First State Bank of Burnet |
|---|---|---|
| Texas Ratio | 0.00% | 0.05% |
| Non-Performing Loan Ratio | 0.00% | 0.01% |
| Non-Performing Asset Ratio | 0.00% | 0.01% |
| Net Charge-Off Ratio | 0.00% | 0.05% |
| ACL / Loans | 0.89% | 0.83% |
Balance sheet
| Metric | State Bank of Newburg | First State Bank of Burnet |
|---|---|---|
| Total Assets | $330,893K | $330,958K |
| Total Deposits | $259,788K | $295,310K |
| Total Loans | $274,942K | $185,558K |
| Total Equity | $54,613K | $34,926K |
| Net Income (quarter) | $1,702K | $1,203K |
Liquidity & funding
| Metric | State Bank of Newburg | First State Bank of Burnet |
|---|---|---|
| Loan-to-Deposit Ratio | 105.83% | 62.83% |
| Core Deposit Ratio | 87.05% | 90.80% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Newburg | First State Bank of Burnet |
|---|---|---|
| Headquarters City | NEWBURG | BURNET |
| Headquarters State | WI | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 31 | 41 |
| Established | Jan. 1, 1911, midnight | Oct. 24, 1908, 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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