Bank Comparison
Ulster Savings Bank vs City National Bank of Sulphur Springs, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 18
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Ulster Savings Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| CET1 Ratio | 14.24% | 14.09% |
| Tier 1 Capital Ratio | 14.24% | 14.09% |
| Total Capital Ratio | 15.49% | 15.34% |
| Tier 1 Leverage Ratio | 9.78% | 9.86% |
| Equity / Assets | 8.96% | 9.57% |
Profitability
| Metric | Ulster Savings Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Return on Assets (ROA) | 0.59% | 2.32% |
| Return on Equity (ROE) | 6.71% | 23.97% |
| Net Interest Margin (NIM) | 3.18% | 4.66% |
| Yield on Earning Assets | 4.68% | 6.06% |
| Cost of Funds | 1.59% | 1.48% |
Asset quality
| Metric | Ulster Savings Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Texas Ratio | 14.21% | 1.20% |
| Non-Performing Loan Ratio | 1.79% | 0.09% |
| Non-Performing Asset Ratio | 1.37% | 0.06% |
| Net Charge-Off Ratio | 0.00% | -0.18% |
| ACL / Loans | 1.10% | 1.51% |
Balance sheet
| Metric | Ulster Savings Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Total Assets | $1,371M | $1,373M |
| Total Deposits | $1,219M | $1,231M |
| Total Loans | $1,046M | $944,892K |
| Total Equity | $122,873K | $131,357K |
| Net Income (quarter) | $2,047K | $7,912K |
Liquidity & funding
| Metric | Ulster Savings Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Loan-to-Deposit Ratio | 85.74% | 76.72% |
| Core Deposit Ratio | 91.43% | 91.17% |
| Uninsured Deposit Ratio | 19.55% | 27.33% |
Identity
| Metric | Ulster Savings Bank | City National Bank of Sulphur Springs, the |
|---|---|---|
| Headquarters City | KINGSTON | SULPHUR SPRINGS |
| Headquarters State | NY | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 3989 |
| Regulator | FDIC | OCC |
| Domestic Branches | 15 | 17 |
| Employees (FTE) | 242 | 244 |
| Established | April 13, 1851, midnight | Jan. 1, 1889, 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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