Bank Comparison
Bank of Marion, the vs Citizens Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Marion, the | Citizens Bank and Trust Company |
|---|---|---|
| CET1 Ratio | 18.43% | — |
| Tier 1 Capital Ratio | 18.43% | — |
| Total Capital Ratio | 19.54% | — |
| Tier 1 Leverage Ratio | 11.40% | 15.00% |
| Equity / Assets | 9.02% | 13.82% |
Profitability
| Metric | Bank of Marion, the | Citizens Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.29% | 1.87% |
| Return on Equity (ROE) | 14.73% | 13.69% |
| Net Interest Margin (NIM) | 4.23% | 4.39% |
| Yield on Earning Assets | 5.30% | 5.27% |
| Cost of Funds | 1.12% | 0.97% |
Asset quality
| Metric | Bank of Marion, the | Citizens Bank and Trust Company |
|---|---|---|
| Texas Ratio | 10.53% | 1.09% |
| Non-Performing Loan Ratio | 0.73% | 0.00% |
| Non-Performing Asset Ratio | 0.52% | 0.05% |
| Net Charge-Off Ratio | 0.14% | 0.01% |
| ACL / Loans | 1.00% | 1.28% |
Balance sheet
| Metric | Bank of Marion, the | Citizens Bank and Trust Company |
|---|---|---|
| Total Assets | $614,064K | $583,253K |
| Total Deposits | $549,970K | $492,987K |
| Total Loans | $424,264K | $283,848K |
| Total Equity | $55,379K | $80,605K |
| Net Income (quarter) | $2,018K | $2,742K |
Liquidity & funding
| Metric | Bank of Marion, the | Citizens Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 77.14% | 57.58% |
| Core Deposit Ratio | 95.27% | 88.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Marion, the | Citizens Bank and Trust Company |
|---|---|---|
| Headquarters City | MARION | BLACKSTONE |
| Headquarters State | VA | VA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 17 | 12 |
| Employees (FTE) | 110 | 87 |
| Established | April 13, 1874, midnight | July 15, 1873, 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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