Bank Comparison
Titan Bank, N.A. vs Commerceone Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 8
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Titan Bank, N.A. | Commerceone Bank |
|---|---|---|
| CET1 Ratio | 29.00% | 11.32% |
| Tier 1 Capital Ratio | 29.00% | 11.32% |
| Total Capital Ratio | 30.26% | 12.32% |
| Tier 1 Leverage Ratio | 11.67% | 9.70% |
| Equity / Assets | 11.31% | 9.12% |
Profitability
| Metric | Titan Bank, N.A. | Commerceone Bank |
|---|---|---|
| Return on Assets (ROA) | 11.63% | -2.15% |
| Return on Equity (ROE) | 119.38% | -22.12% |
| Net Interest Margin (NIM) | 4.24% | 3.73% |
| Yield on Earning Assets | 5.42% | 5.91% |
| Cost of Funds | 1.40% | 2.40% |
Asset quality
| Metric | Titan Bank, N.A. | Commerceone Bank |
|---|---|---|
| Texas Ratio | 1.74% | 0.00% |
| Non-Performing Loan Ratio | 0.30% | 0.00% |
| Non-Performing Asset Ratio | 0.15% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 7.00% |
| ACL / Loans | 1.21% | 1.00% |
Balance sheet
| Metric | Titan Bank, N.A. | Commerceone Bank |
|---|---|---|
| Total Assets | $890,741K | $891,744K |
| Total Deposits | $783,668K | $802,663K |
| Total Loans | $435,914K | $692,364K |
| Total Equity | $100,719K | $81,324K |
| Net Income (quarter) | $26,812K | $-4,639 |
Liquidity & funding
| Metric | Titan Bank, N.A. | Commerceone Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 55.62% | 86.26% |
| Core Deposit Ratio | 100.00% | 99.05% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Titan Bank, N.A. | Commerceone Bank |
|---|---|---|
| Headquarters City | MINERAL WELLS | BIRMINGHAM |
| Headquarters State | TX | AL |
| Asset Tier | Medium | Medium |
| Charter Class | 12437 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 39 | 59 |
| Established | Jan. 1, 1907, midnight | June 4, 2018, 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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