Bank Comparison
Bank of Hazlehurst vs Citizens National Bank of Quitman, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Hazlehurst | Citizens National Bank of Quitman, the |
|---|---|---|
| CET1 Ratio | 30.91% | 17.61% |
| Tier 1 Capital Ratio | 30.91% | 17.61% |
| Total Capital Ratio | 32.18% | 18.86% |
| Tier 1 Leverage Ratio | 13.37% | 10.89% |
| Equity / Assets | 11.00% | 10.32% |
Profitability
| Metric | Bank of Hazlehurst | Citizens National Bank of Quitman, the |
|---|---|---|
| Return on Assets (ROA) | 2.06% | 1.51% |
| Return on Equity (ROE) | 18.65% | 14.02% |
| Net Interest Margin (NIM) | 4.66% | 4.16% |
| Yield on Earning Assets | 4.98% | 5.71% |
| Cost of Funds | 0.36% | 1.70% |
Asset quality
| Metric | Bank of Hazlehurst | Citizens National Bank of Quitman, the |
|---|---|---|
| Texas Ratio | 2.63% | 1.80% |
| Non-Performing Loan Ratio | 0.72% | 0.36% |
| Non-Performing Asset Ratio | 0.28% | 0.20% |
| Net Charge-Off Ratio | 0.13% | 0.12% |
| ACL / Loans | 3.84% | 1.80% |
Balance sheet
| Metric | Bank of Hazlehurst | Citizens National Bank of Quitman, the |
|---|---|---|
| Total Assets | $137,460K | $134,285K |
| Total Deposits | $121,985K | $119,820K |
| Total Loans | $54,541K | $75,587K |
| Total Equity | $15,118K | $13,857K |
| Net Income (quarter) | $734 | $520 |
Liquidity & funding
| Metric | Bank of Hazlehurst | Citizens National Bank of Quitman, the |
|---|---|---|
| Loan-to-Deposit Ratio | 44.71% | 63.08% |
| Core Deposit Ratio | 99.34% | 84.83% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Hazlehurst | Citizens National Bank of Quitman, the |
|---|---|---|
| Headquarters City | HAZLEHURST | QUITMAN |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 14255 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 28 | 21 |
| Established | Jan. 1, 1906, midnight | Aug. 25, 1934, 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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