Bank Comparison
Sunwest Bank vs First Business Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Sunwest Bank | First Business Bank |
|---|---|---|
| CET1 Ratio | 10.11% | 11.04% |
| Tier 1 Capital Ratio | 10.11% | 11.04% |
| Total Capital Ratio | 11.36% | 12.04% |
| Tier 1 Leverage Ratio | 9.77% | 10.16% |
| Equity / Assets | 9.28% | 9.97% |
Profitability
| Metric | Sunwest Bank | First Business Bank |
|---|---|---|
| Return on Assets (ROA) | 1.73% | 1.28% |
| Return on Equity (ROE) | 18.12% | 12.72% |
| Net Interest Margin (NIM) | 4.27% | 3.61% |
| Yield on Earning Assets | 5.54% | 6.11% |
| Cost of Funds | 1.35% | 2.75% |
Asset quality
| Metric | Sunwest Bank | First Business Bank |
|---|---|---|
| Texas Ratio | 4.92% | 8.88% |
| Non-Performing Loan Ratio | 0.65% | 1.15% |
| Non-Performing Asset Ratio | 0.53% | 0.94% |
| Net Charge-Off Ratio | 0.00% | 0.25% |
| ACL / Loans | 1.76% | 1.04% |
Balance sheet
| Metric | Sunwest Bank | First Business Bank |
|---|---|---|
| Total Assets | $4,270M | $4,320M |
| Total Deposits | $3,453M | $3,571M |
| Total Loans | $3,464M | $3,522M |
| Total Equity | $396,165K | $430,824K |
| Net Income (quarter) | $17,634K | $13,582K |
Liquidity & funding
| Metric | Sunwest Bank | First Business Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 100.31% | 98.62% |
| Core Deposit Ratio | 99.66% | 97.39% |
| Uninsured Deposit Ratio | 54.84% | 34.64% |
Identity
| Metric | Sunwest Bank | First Business Bank |
|---|---|---|
| Headquarters City | SANDY | MADISON |
| Headquarters State | UT | WI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 9 | 5 |
| Employees (FTE) | 320 | 368 |
| Established | April 9, 1970, midnight | May 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.
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