Bank Comparison
Bank of Hazlehurst vs Citizens Bank & Trust, Inc.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Hazlehurst | Citizens Bank & Trust, Inc. |
|---|---|---|
| CET1 Ratio | 30.91% | 21.92% |
| Tier 1 Capital Ratio | 30.91% | 21.92% |
| Total Capital Ratio | 32.18% | 23.18% |
| Tier 1 Leverage Ratio | 13.37% | 12.14% |
| Equity / Assets | 11.00% | 10.66% |
Profitability
| Metric | Bank of Hazlehurst | Citizens Bank & Trust, Inc. |
|---|---|---|
| Return on Assets (ROA) | 2.06% | -2.66% |
| Return on Equity (ROE) | 18.65% | -23.38% |
| Net Interest Margin (NIM) | 4.66% | 5.25% |
| Yield on Earning Assets | 4.98% | 6.04% |
| Cost of Funds | 0.36% | 0.85% |
Asset quality
| Metric | Bank of Hazlehurst | Citizens Bank & Trust, Inc. |
|---|---|---|
| Texas Ratio | 2.63% | 1.12% |
| Non-Performing Loan Ratio | 0.72% | 0.21% |
| Non-Performing Asset Ratio | 0.28% | 0.13% |
| Net Charge-Off Ratio | 0.13% | 0.40% |
| ACL / Loans | 3.84% | 1.67% |
Balance sheet
| Metric | Bank of Hazlehurst | Citizens Bank & Trust, Inc. |
|---|---|---|
| Total Assets | $137,460K | $134,749K |
| Total Deposits | $121,985K | $119,330K |
| Total Loans | $54,541K | $79,750K |
| Total Equity | $15,118K | $14,368K |
| Net Income (quarter) | $734 | $-867 |
Liquidity & funding
| Metric | Bank of Hazlehurst | Citizens Bank & Trust, Inc. |
|---|---|---|
| Loan-to-Deposit Ratio | 44.71% | 66.83% |
| Core Deposit Ratio | 99.34% | 98.19% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Hazlehurst | Citizens Bank & Trust, Inc. |
|---|---|---|
| Headquarters City | HAZLEHURST | Trenton |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 713138 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 28 | 39 |
| Established | Jan. 1, 1906, midnight | Jan. 18, 1988, 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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