Bank Comparison
State Bank & Trust Company vs First State Bank of Rosemount, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 5
winning metrics across 23 comparable rows
Capital adequacy
| Metric | State Bank & Trust Company | First State Bank of Rosemount, the |
|---|---|---|
| CET1 Ratio | 15.76% | 9.03% |
| Tier 1 Capital Ratio | 15.76% | 9.03% |
| Total Capital Ratio | 17.02% | 10.13% |
| Tier 1 Leverage Ratio | 11.00% | 6.09% |
| Equity / Assets | 8.61% | 4.13% |
Profitability
| Metric | State Bank & Trust Company | First State Bank of Rosemount, the |
|---|---|---|
| Return on Assets (ROA) | 1.37% | 0.12% |
| Return on Equity (ROE) | 15.92% | 2.76% |
| Net Interest Margin (NIM) | 3.92% | 3.17% |
| Yield on Earning Assets | 5.44% | 5.53% |
| Cost of Funds | 1.64% | 2.31% |
Asset quality
| Metric | State Bank & Trust Company | First State Bank of Rosemount, the |
|---|---|---|
| Texas Ratio | 3.65% | 36.57% |
| Non-Performing Loan Ratio | 0.53% | 2.60% |
| Non-Performing Asset Ratio | 0.34% | 1.76% |
| Net Charge-Off Ratio | -0.04% | 0.18% |
| ACL / Loans | 1.45% | 1.06% |
Balance sheet
| Metric | State Bank & Trust Company | First State Bank of Rosemount, the |
|---|---|---|
| Total Assets | $155,295K | $155,433K |
| Total Deposits | $135,893K | $148,348K |
| Total Loans | $101,130K | $104,982K |
| Total Equity | $13,370K | $6,419K |
| Net Income (quarter) | $525 | $45 |
Liquidity & funding
| Metric | State Bank & Trust Company | First State Bank of Rosemount, the |
|---|---|---|
| Loan-to-Deposit Ratio | 74.42% | 70.77% |
| Core Deposit Ratio | 86.96% | 93.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank & Trust Company | First State Bank of Rosemount, the |
|---|---|---|
| Headquarters City | GOLDEN MEADOW | ROSEMOUNT |
| Headquarters State | LA | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 32 | 16 |
| Established | Jan. 16, 1953, midnight | Jan. 1, 1909, 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.
View full State Bank & Trust Company profile | View full First State Bank of Rosemount, the profile | Browse all bank comparisons