Bank Comparison
American Bank vs Citizens First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American Bank | Citizens First Bank |
|---|---|---|
| CET1 Ratio | — | 9.87% |
| Tier 1 Capital Ratio | — | 9.87% |
| Total Capital Ratio | — | 10.93% |
| Tier 1 Leverage Ratio | 10.33% | 8.32% |
| Equity / Assets | 10.85% | 6.34% |
Profitability
| Metric | American Bank | Citizens First Bank |
|---|---|---|
| Return on Assets (ROA) | 0.18% | 1.01% |
| Return on Equity (ROE) | 1.61% | 16.23% |
| Net Interest Margin (NIM) | 4.96% | 2.99% |
| Yield on Earning Assets | 7.20% | 5.39% |
| Cost of Funds | 2.38% | 2.57% |
Asset quality
| Metric | American Bank | Citizens First Bank |
|---|---|---|
| Texas Ratio | 31.91% | 22.53% |
| Non-Performing Loan Ratio | 3.62% | 1.66% |
| Non-Performing Asset Ratio | 3.47% | 1.28% |
| Net Charge-Off Ratio | 0.16% | 0.33% |
| ACL / Loans | 1.83% | 1.16% |
Balance sheet
| Metric | American Bank | Citizens First Bank |
|---|---|---|
| Total Assets | $359,330K | $359,325K |
| Total Deposits | $317,281K | $288,929K |
| Total Loans | $239,725K | $276,974K |
| Total Equity | $39,004K | $22,765K |
| Net Income (quarter) | $157 | $922 |
Liquidity & funding
| Metric | American Bank | Citizens First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.56% | 95.86% |
| Core Deposit Ratio | 79.79% | 75.81% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Bank | Citizens First Bank |
|---|---|---|
| Headquarters City | COVINGTON | CLINTON |
| Headquarters State | LA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 72 | 51 |
| Established | Sept. 14, 1964, midnight | March 14, 2000, 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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