Bank Comparison
Trusttexas Bank, S.S.B. vs Earlham Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 18
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Trusttexas Bank, S.S.B. | Earlham Savings Bank |
|---|---|---|
| CET1 Ratio | 18.85% | 16.81% |
| Tier 1 Capital Ratio | 18.85% | 16.81% |
| Total Capital Ratio | 19.90% | 18.08% |
| Tier 1 Leverage Ratio | 8.24% | 9.36% |
| Equity / Assets | 0.82% | 9.36% |
Profitability
| Metric | Trusttexas Bank, S.S.B. | Earlham Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.21% | 0.98% |
| Return on Equity (ROE) | 24.44% | 10.57% |
| Net Interest Margin (NIM) | 2.48% | 3.61% |
| Yield on Earning Assets | 4.12% | 5.18% |
| Cost of Funds | 1.73% | 1.70% |
Asset quality
| Metric | Trusttexas Bank, S.S.B. | Earlham Savings Bank |
|---|---|---|
| Texas Ratio | 26.79% | 5.07% |
| Non-Performing Loan Ratio | 0.66% | 0.24% |
| Non-Performing Asset Ratio | 0.34% | 0.14% |
| Net Charge-Off Ratio | 0.05% | -0.06% |
| ACL / Loans | 0.89% | 2.59% |
Balance sheet
| Metric | Trusttexas Bank, S.S.B. | Earlham Savings Bank |
|---|---|---|
| Total Assets | $382,873K | $383,147K |
| Total Deposits | $376,879K | $345,721K |
| Total Loans | $199,760K | $227,778K |
| Total Equity | $3,137K | $35,862K |
| Net Income (quarter) | $208 | $937 |
Liquidity & funding
| Metric | Trusttexas Bank, S.S.B. | Earlham Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 53.00% | 65.88% |
| Core Deposit Ratio | 89.39% | 98.64% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Trusttexas Bank, S.S.B. | Earlham Savings Bank |
|---|---|---|
| Headquarters City | CUERO | WEST DES MOINES |
| Headquarters State | TX | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 9 |
| Employees (FTE) | 56 | 60 |
| Established | Jan. 1, 1921, midnight | Jan. 1, 1931, 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.
View full Trusttexas Bank, S.S.B. profile | View full Earlham Savings Bank profile | Browse all bank comparisons