Bank Comparison
West Gate Bank vs Southpoint Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 6
winning metrics across 21 comparable rows
Capital adequacy
| Metric | West Gate Bank | Southpoint Bank |
|---|---|---|
| CET1 Ratio | — | 9.69% |
| Tier 1 Capital Ratio | — | 9.69% |
| Total Capital Ratio | — | 10.96% |
| Tier 1 Leverage Ratio | 11.28% | 7.53% |
| Equity / Assets | 10.16% | 8.02% |
Profitability
| Metric | West Gate Bank | Southpoint Bank |
|---|---|---|
| Return on Assets (ROA) | 0.74% | -0.27% |
| Return on Equity (ROE) | 7.12% | -3.34% |
| Net Interest Margin (NIM) | 3.44% | 3.04% |
| Yield on Earning Assets | 5.72% | 5.78% |
| Cost of Funds | 2.38% | 2.83% |
Asset quality
| Metric | West Gate Bank | Southpoint Bank |
|---|---|---|
| Texas Ratio | 1.32% | 37.34% |
| Non-Performing Loan Ratio | 0.20% | 3.94% |
| Non-Performing Asset Ratio | 0.14% | 3.31% |
| Net Charge-Off Ratio | 0.00% | 0.09% |
| ACL / Loans | 0.97% | 2.95% |
Balance sheet
| Metric | West Gate Bank | Southpoint Bank |
|---|---|---|
| Total Assets | $1,444M | $1,444M |
| Total Deposits | $1,201M | $1,318M |
| Total Loans | $1,043M | $1,133M |
| Total Equity | $146,793K | $115,835K |
| Net Income (quarter) | $2,612K | $-973 |
Liquidity & funding
| Metric | West Gate Bank | Southpoint Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.92% | 85.97% |
| Core Deposit Ratio | 93.67% | 83.55% |
| Uninsured Deposit Ratio | 15.41% | 12.74% |
Identity
| Metric | West Gate Bank | Southpoint Bank |
|---|---|---|
| Headquarters City | LINCOLN | BIRMINGHAM |
| Headquarters State | NE | AL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 11 |
| Employees (FTE) | 223 | 129 |
| Established | Sept. 3, 1968, midnight | Oct. 11, 2005, 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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