Bank Comparison
Texas Exchange Bank vs Cornerstone Capital Bank, Ssb
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 8
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Texas Exchange Bank | Cornerstone Capital Bank, Ssb |
|---|---|---|
| CET1 Ratio | 30.64% | 14.60% |
| Tier 1 Capital Ratio | 30.64% | 16.06% |
| Total Capital Ratio | 31.37% | 16.77% |
| Tier 1 Leverage Ratio | 12.83% | 13.83% |
| Equity / Assets | 9.10% | 10.44% |
Profitability
| Metric | Texas Exchange Bank | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Return on Assets (ROA) | 2.00% | -0.35% |
| Return on Equity (ROE) | 15.77% | -2.67% |
| Net Interest Margin (NIM) | 2.19% | 2.70% |
| Yield on Earning Assets | 5.21% | 5.69% |
| Cost of Funds | 2.28% | 2.68% |
Asset quality
| Metric | Texas Exchange Bank | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Texas Ratio | 0.00% | 26.66% |
| Non-Performing Loan Ratio | 0.00% | 1.11% |
| Non-Performing Asset Ratio | 0.00% | 0.85% |
| Net Charge-Off Ratio | 0.00% | 0.08% |
| ACL / Loans | 1.33% | 0.69% |
Balance sheet
| Metric | Texas Exchange Bank | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Total Assets | $4,272M | $3,798M |
| Total Deposits | $2,582M | $2,568M |
| Total Loans | $687,200K | $2,456M |
| Total Equity | $388,714K | $396,592K |
| Net Income (quarter) | $15,261K | $-2,460 |
Liquidity & funding
| Metric | Texas Exchange Bank | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Loan-to-Deposit Ratio | 26.61% | 95.67% |
| Core Deposit Ratio | 99.85% | 94.11% |
| Uninsured Deposit Ratio | 1.31% | 25.28% |
Identity
| Metric | Texas Exchange Bank | Cornerstone Capital Bank, Ssb |
|---|---|---|
| Headquarters City | CROWLEY | HOUSTON |
| Headquarters State | TX | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 19 |
| Employees (FTE) | 31 | 1,569 |
| Established | Jan. 5, 1970, midnight | Dec. 6, 1906, 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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