Bank Comparison
Tri City National Bank vs Beneficial State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 7
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Tri City National Bank | Beneficial State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.95% | 11.20% |
| Equity / Assets | 9.48% | 9.33% |
Profitability
| Metric | Tri City National Bank | Beneficial State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | -0.33% |
| Return on Equity (ROE) | 8.38% | -3.67% |
| Net Interest Margin (NIM) | 3.46% | 3.77% |
| Yield on Earning Assets | 4.40% | 5.20% |
| Cost of Funds | 1.01% | 1.62% |
Asset quality
| Metric | Tri City National Bank | Beneficial State Bank |
|---|---|---|
| Texas Ratio | 6.85% | 25.05% |
| Non-Performing Loan Ratio | 1.05% | 3.53% |
| Non-Performing Asset Ratio | 0.70% | 2.69% |
| Net Charge-Off Ratio | -0.01% | 0.95% |
| ACL / Loans | 1.22% | 1.94% |
Balance sheet
| Metric | Tri City National Bank | Beneficial State Bank |
|---|---|---|
| Total Assets | $1,969M | $1,973M |
| Total Deposits | $1,768M | $1,655M |
| Total Loans | $1,176M | $1,508M |
| Total Equity | $186,642K | $184,179K |
| Net Income (quarter) | $3,898K | $-1,703 |
Liquidity & funding
| Metric | Tri City National Bank | Beneficial State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.56% | 91.10% |
| Core Deposit Ratio | 97.14% | 98.20% |
| Uninsured Deposit Ratio | 27.41% | 28.89% |
Identity
| Metric | Tri City National Bank | Beneficial State Bank |
|---|---|---|
| Headquarters City | OAK CREEK | OAKLAND |
| Headquarters State | WI | CA |
| Asset Tier | Large | Large |
| Charter Class | 15738 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 28 | 9 |
| Employees (FTE) | 348 | 268 |
| Established | Oct. 28, 1963, midnight | June 27, 2007, 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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