Bank Comparison
U.S. Bank Trust Company, N.A. vs West Coast Community 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. | West Coast Community Bank |
|---|---|---|
| CET1 Ratio | — | 13.34% |
| Tier 1 Capital Ratio | — | 13.34% |
| Total Capital Ratio | — | 14.59% |
| Tier 1 Leverage Ratio | 93.19% | 11.98% |
| Equity / Assets | 92.35% | 13.63% |
Profitability
| Metric | U.S. Bank Trust Company, N.A. | West Coast Community Bank |
|---|---|---|
| Return on Assets (ROA) | 17.76% | 2.17% |
| Return on Equity (ROE) | 19.29% | 16.06% |
| Net Interest Margin (NIM) | 3.79% | 5.12% |
| Yield on Earning Assets | 3.79% | 6.23% |
| Cost of Funds | — | 1.23% |
Asset quality
| Metric | U.S. Bank Trust Company, N.A. | West Coast Community Bank |
|---|---|---|
| Texas Ratio | 0.00% | 5.61% |
| Non-Performing Loan Ratio | — | 0.62% |
| Non-Performing Asset Ratio | 0.00% | 0.71% |
| Net Charge-Off Ratio | — | 0.62% |
| ACL / Loans | — | 1.56% |
Balance sheet
| Metric | U.S. Bank Trust Company, N.A. | West Coast Community Bank |
|---|---|---|
| Total Assets | $2,898M | $2,895M |
| Total Deposits | $0 | $2,476M |
| Total Loans | $0 | $2,219M |
| Total Equity | $2,677M | $394,557K |
| Net Income (quarter) | $126,092K | $15,599K |
Liquidity & funding
| Metric | U.S. Bank Trust Company, N.A. | West Coast Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | — | 89.63% |
| Core Deposit Ratio | — | 97.71% |
| Uninsured Deposit Ratio | — | 54.48% |
Identity
| Metric | U.S. Bank Trust Company, N.A. | West Coast Community Bank |
|---|---|---|
| Headquarters City | PORTLAND | SANTA CRUZ |
| Headquarters State | OR | CA |
| Asset Tier | Large | Large |
| Charter Class | — | 0 |
| Regulator | — | FDIC |
| Domestic Branches | — | 10 |
| Employees (FTE) | 1,911 | 213 |
| Established | — | Feb. 3, 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.
View full U.S. Bank Trust Company, N.A. profile | View full West Coast Community Bank profile | Browse all bank comparisons