Bank Comparison
Avidia Bank vs Citizens and Farmers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Avidia Bank | Citizens and Farmers Bank |
|---|---|---|
| CET1 Ratio | 15.18% | 13.43% |
| Tier 1 Capital Ratio | 15.18% | 13.43% |
| Total Capital Ratio | 16.26% | 14.69% |
| Tier 1 Leverage Ratio | 11.90% | 11.10% |
| Equity / Assets | 11.81% | 11.33% |
Profitability
| Metric | Avidia Bank | Citizens and Farmers Bank |
|---|---|---|
| Return on Assets (ROA) | 0.89% | 1.14% |
| Return on Equity (ROE) | 7.64% | 10.01% |
| Net Interest Margin (NIM) | 3.59% | 4.39% |
| Yield on Earning Assets | 4.95% | 5.94% |
| Cost of Funds | 1.51% | 1.70% |
Asset quality
| Metric | Avidia Bank | Citizens and Farmers Bank |
|---|---|---|
| Texas Ratio | 4.92% | 0.67% |
| Non-Performing Loan Ratio | 0.74% | 0.10% |
| Non-Performing Asset Ratio | 0.60% | 0.08% |
| Net Charge-Off Ratio | 0.02% | 0.66% |
| ACL / Loans | 1.00% | 1.86% |
Balance sheet
| Metric | Avidia Bank | Citizens and Farmers Bank |
|---|---|---|
| Total Assets | $2,802M | $2,790M |
| Total Deposits | $2,228M | $2,410M |
| Total Loans | $2,284M | $2,130M |
| Total Equity | $330,967K | $316,264K |
| Net Income (quarter) | $6,270K | $7,892K |
Liquidity & funding
| Metric | Avidia Bank | Citizens and Farmers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 102.54% | 88.39% |
| Core Deposit Ratio | 93.10% | 86.70% |
| Uninsured Deposit Ratio | 39.02% | 30.94% |
Identity
| Metric | Avidia Bank | Citizens and Farmers Bank |
|---|---|---|
| Headquarters City | HUDSON | WEST POINT |
| Headquarters State | MA | VA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 32 |
| Employees (FTE) | 244 | 577 |
| Established | Feb. 26, 1869, midnight | Feb. 1, 1927, 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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