Bank Comparison
State Bank & Trust vs Peoples State Bank of Plainview
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Bank & Trust | Peoples State Bank of Plainview |
|---|---|---|
| CET1 Ratio | — | 12.95% |
| Tier 1 Capital Ratio | — | 12.95% |
| Total Capital Ratio | — | 14.13% |
| Tier 1 Leverage Ratio | 9.05% | 8.82% |
| Equity / Assets | 5.23% | 6.76% |
Profitability
| Metric | State Bank & Trust | Peoples State Bank of Plainview |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 1.66% |
| Return on Equity (ROE) | 16.48% | 24.46% |
| Net Interest Margin (NIM) | 3.16% | 3.59% |
| Yield on Earning Assets | 5.84% | 5.46% |
| Cost of Funds | 2.82% | 1.99% |
Asset quality
| Metric | State Bank & Trust | Peoples State Bank of Plainview |
|---|---|---|
| Texas Ratio | 10.40% | 10.69% |
| Non-Performing Loan Ratio | 0.65% | 1.14% |
| Non-Performing Asset Ratio | 0.55% | 0.81% |
| Net Charge-Off Ratio | -0.05% | 0.01% |
| ACL / Loans | 1.02% | 1.13% |
Balance sheet
| Metric | State Bank & Trust | Peoples State Bank of Plainview |
|---|---|---|
| Total Assets | $407,088K | $406,516K |
| Total Deposits | $363,389K | $370,603K |
| Total Loans | $268,336K | $287,448K |
| Total Equity | $21,305K | $27,495K |
| Net Income (quarter) | $883 | $1,692K |
Liquidity & funding
| Metric | State Bank & Trust | Peoples State Bank of Plainview |
|---|---|---|
| Loan-to-Deposit Ratio | 73.84% | 77.56% |
| Core Deposit Ratio | 73.27% | 90.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank & Trust | Peoples State Bank of Plainview |
|---|---|---|
| Headquarters City | WINFIELD | PLAINVIEW |
| Headquarters State | AL | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 60 | 45 |
| Established | Oct. 3, 1907, midnight | June 29, 1925, 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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