Bank Comparison
Towne Trust Company, N.A. vs Security National Trust CO.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 6
winning metrics across 10 comparable rows
Capital adequacy
| Metric | Towne Trust Company, N.A. | Security National Trust CO. |
|---|---|---|
| CET1 Ratio | 156.84% | — |
| Tier 1 Capital Ratio | 156.84% | — |
| Total Capital Ratio | 156.84% | — |
| Tier 1 Leverage Ratio | 93.99% | 84.52% |
| Equity / Assets | 88.14% | 82.81% |
Profitability
| Metric | Towne Trust Company, N.A. | Security National Trust CO. |
|---|---|---|
| Return on Assets (ROA) | 14.04% | 39.84% |
| Return on Equity (ROE) | 15.21% | 49.65% |
| Net Interest Margin (NIM) | 3.56% | 3.93% |
| Yield on Earning Assets | 3.56% | 3.93% |
| Cost of Funds | — | 0.00% |
Asset quality
| Metric | Towne Trust Company, N.A. | Security National Trust CO. |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | — | — |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | — | — |
| ACL / Loans | — | — |
Balance sheet
| Metric | Towne Trust Company, N.A. | Security National Trust CO. |
|---|---|---|
| Total Assets | $8,050K | $7,947K |
| Total Deposits | $0 | $0 |
| Total Loans | $0 | $0 |
| Total Equity | $7,095K | $6,581K |
| Net Income (quarter) | $265 | $771 |
Liquidity & funding
| Metric | Towne Trust Company, N.A. | Security National Trust CO. |
|---|---|---|
| Loan-to-Deposit Ratio | — | — |
| Core Deposit Ratio | — | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Towne Trust Company, N.A. | Security National Trust CO. |
|---|---|---|
| Headquarters City | NEWPORT NEWS | WHEELING |
| Headquarters State | VA | WV |
| Asset Tier | Micro | Micro |
| Charter Class | — | — |
| Regulator | — | — |
| Domestic Branches | — | — |
| Employees (FTE) | 23 | 27 |
| Established | — | — |
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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