Bank Comparison
The Tampa State Bank vs State National Bank of Groom, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | The Tampa State Bank | State National Bank of Groom, the |
|---|---|---|
| CET1 Ratio | 6.73% | — |
| Tier 1 Capital Ratio | 6.73% | — |
| Total Capital Ratio | 7.99% | — |
| Tier 1 Leverage Ratio | 3.09% | 11.35% |
| Equity / Assets | 3.15% | 12.03% |
Profitability
| Metric | The Tampa State Bank | State National Bank of Groom, the |
|---|---|---|
| Return on Assets (ROA) | -26.63% | 1.14% |
| Return on Equity (ROE) | — | 10.22% |
| Net Interest Margin (NIM) | 2.55% | 3.99% |
| Yield on Earning Assets | 4.61% | 6.69% |
| Cost of Funds | 2.11% | 3.08% |
Asset quality
| Metric | The Tampa State Bank | State National Bank of Groom, the |
|---|---|---|
| Texas Ratio | 0.00% | 7.16% |
| Non-Performing Loan Ratio | 0.00% | 0.36% |
| Non-Performing Asset Ratio | 0.00% | 0.95% |
| Net Charge-Off Ratio | -0.01% | -0.08% |
| ACL / Loans | 2.44% | 1.74% |
Balance sheet
| Metric | The Tampa State Bank | State National Bank of Groom, the |
|---|---|---|
| Total Assets | $60,770K | $60,856K |
| Total Deposits | $49,717K | $53,425K |
| Total Loans | $27,233K | $45,599K |
| Total Equity | $1,916K | $7,321K |
| Net Income (quarter) | $-4,124 | $185 |
Liquidity & funding
| Metric | The Tampa State Bank | State National Bank of Groom, the |
|---|---|---|
| Loan-to-Deposit Ratio | 54.78% | 85.35% |
| Core Deposit Ratio | 82.78% | 98.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Tampa State Bank | State National Bank of Groom, the |
|---|---|---|
| Headquarters City | Tampa | GROOM |
| Headquarters State | KS | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 12742 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 12 | 8 |
| Established | Jan. 1, 1901, midnight | May 1, 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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