Bank Comparison
State Bank, the vs Sanborn Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | State Bank, the | Sanborn Savings Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.35% | 9.40% |
| Equity / Assets | 8.02% | 9.57% |
Profitability
| Metric | State Bank, the | Sanborn Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.05% | 1.21% |
| Return on Equity (ROE) | 13.30% | 12.70% |
| Net Interest Margin (NIM) | 2.73% | 3.38% |
| Yield on Earning Assets | 4.26% | 5.46% |
| Cost of Funds | 1.67% | 2.21% |
Asset quality
| Metric | State Bank, the | Sanborn Savings Bank |
|---|---|---|
| Texas Ratio | 5.22% | 4.20% |
| Non-Performing Loan Ratio | 0.00% | 0.60% |
| Non-Performing Asset Ratio | 0.49% | 0.43% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 3.03% | 1.27% |
Balance sheet
| Metric | State Bank, the | Sanborn Savings Bank |
|---|---|---|
| Total Assets | $91,364K | $90,162K |
| Total Deposits | $83,655K | $65,700K |
| Total Loans | $42,419K | $63,849K |
| Total Equity | $7,327K | $8,630K |
| Net Income (quarter) | $244 | $273 |
Liquidity & funding
| Metric | State Bank, the | Sanborn Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 50.71% | 97.18% |
| Core Deposit Ratio | 90.22% | 92.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank, the | Sanborn Savings Bank |
|---|---|---|
| Headquarters City | SPIRIT LAKE | SANBORN |
| Headquarters State | IA | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 11 | 11 |
| Established | Oct. 5, 1928, midnight | Feb. 1, 1899, 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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