Bank Comparison
Atkins Savings Bank & Trust vs Citizens Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Atkins Savings Bank & Trust | Citizens Savings Bank |
|---|---|---|
| CET1 Ratio | — | 17.33% |
| Tier 1 Capital Ratio | — | 17.33% |
| Total Capital Ratio | — | 18.12% |
| Tier 1 Leverage Ratio | 11.59% | 9.66% |
| Equity / Assets | 9.10% | 7.21% |
Profitability
| Metric | Atkins Savings Bank & Trust | Citizens Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.55% | 0.93% |
| Return on Equity (ROE) | 17.25% | 12.21% |
| Net Interest Margin (NIM) | 3.00% | 3.05% |
| Yield on Earning Assets | 5.38% | 4.35% |
| Cost of Funds | 2.65% | 1.36% |
Asset quality
| Metric | Atkins Savings Bank & Trust | Citizens Savings Bank |
|---|---|---|
| Texas Ratio | 2.40% | 0.00% |
| Non-Performing Loan Ratio | 0.17% | 0.00% |
| Non-Performing Asset Ratio | 0.12% | 0.00% |
| Net Charge-Off Ratio | -0.01% | -0.01% |
| ACL / Loans | 1.17% | 1.02% |
Balance sheet
| Metric | Atkins Savings Bank & Trust | Citizens Savings Bank |
|---|---|---|
| Total Assets | $172,336K | $175,037K |
| Total Deposits | $147,170K | $159,377K |
| Total Loans | $124,122K | $70,426K |
| Total Equity | $15,675K | $12,626K |
| Net Income (quarter) | $672 | $381 |
Liquidity & funding
| Metric | Atkins Savings Bank & Trust | Citizens Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.34% | 44.19% |
| Core Deposit Ratio | 86.93% | 93.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Atkins Savings Bank & Trust | Citizens Savings Bank |
|---|---|---|
| Headquarters City | ATKINS | ANAMOSA |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 12 | 21 |
| Established | April 15, 1915, midnight | Nov. 8, 1906, 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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