Bank Comparison
U.S. Bank Trust Company, N.A. vs Summit Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 4
winning metrics across 14 comparable rows
Capital adequacy
| Metric | U.S. Bank Trust Company, N.A. | Summit Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 93.19% | 11.38% |
| Equity / Assets | 92.35% | 10.88% |
Profitability
| Metric | U.S. Bank Trust Company, N.A. | Summit Bank |
|---|---|---|
| Return on Assets (ROA) | 17.76% | 1.45% |
| Return on Equity (ROE) | 19.29% | 12.98% |
| Net Interest Margin (NIM) | 3.79% | 4.69% |
| Yield on Earning Assets | 3.79% | 6.32% |
| Cost of Funds | — | 1.78% |
Asset quality
| Metric | U.S. Bank Trust Company, N.A. | Summit Bank |
|---|---|---|
| Texas Ratio | 0.00% | 6.25% |
| Non-Performing Loan Ratio | — | 0.88% |
| Non-Performing Asset Ratio | 0.00% | 0.74% |
| Net Charge-Off Ratio | — | 0.38% |
| ACL / Loans | — | 1.12% |
Balance sheet
| Metric | U.S. Bank Trust Company, N.A. | Summit Bank |
|---|---|---|
| Total Assets | $2,898M | $1,350M |
| Total Deposits | $0 | $1,189M |
| Total Loans | $0 | $1,129M |
| Total Equity | $2,677M | $146,880K |
| Net Income (quarter) | $126,092K | $4,688K |
Liquidity & funding
| Metric | U.S. Bank Trust Company, N.A. | Summit Bank |
|---|---|---|
| Loan-to-Deposit Ratio | — | 94.95% |
| Core Deposit Ratio | — | 99.64% |
| Uninsured Deposit Ratio | — | 31.97% |
Identity
| Metric | U.S. Bank Trust Company, N.A. | Summit Bank |
|---|---|---|
| Headquarters City | PORTLAND | EUGENE |
| Headquarters State | OR | OR |
| Asset Tier | Large | Large |
| Charter Class | — | 0 |
| Regulator | — | FDIC |
| Domestic Branches | — | 5 |
| Employees (FTE) | 1,911 | 139 |
| Established | — | Feb. 23, 2004, 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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