Bank Comparison
Bank of Weston vs Citizens Bank of Eldon
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Weston | Citizens Bank of Eldon |
|---|---|---|
| CET1 Ratio | 12.28% | — |
| Tier 1 Capital Ratio | 12.28% | — |
| Total Capital Ratio | 13.54% | — |
| Tier 1 Leverage Ratio | 8.64% | 11.24% |
| Equity / Assets | 8.06% | 11.12% |
Profitability
| Metric | Bank of Weston | Citizens Bank of Eldon |
|---|---|---|
| Return on Assets (ROA) | 1.97% | 2.10% |
| Return on Equity (ROE) | 24.38% | 19.15% |
| Net Interest Margin (NIM) | 4.57% | 5.04% |
| Yield on Earning Assets | 6.04% | 6.23% |
| Cost of Funds | 1.60% | 1.29% |
Asset quality
| Metric | Bank of Weston | Citizens Bank of Eldon |
|---|---|---|
| Texas Ratio | 4.23% | 6.05% |
| Non-Performing Loan Ratio | 0.50% | 0.91% |
| Non-Performing Asset Ratio | 0.37% | 0.74% |
| Net Charge-Off Ratio | -0.08% | -0.10% |
| ACL / Loans | 1.29% | 1.34% |
Balance sheet
| Metric | Bank of Weston | Citizens Bank of Eldon |
|---|---|---|
| Total Assets | $240,391K | $243,538K |
| Total Deposits | $220,173K | $213,200K |
| Total Loans | $178,592K | $198,734K |
| Total Equity | $19,369K | $27,093K |
| Net Income (quarter) | $1,172K | $1,278K |
Liquidity & funding
| Metric | Bank of Weston | Citizens Bank of Eldon |
|---|---|---|
| Loan-to-Deposit Ratio | 81.11% | 93.21% |
| Core Deposit Ratio | 92.63% | 91.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Weston | Citizens Bank of Eldon |
|---|---|---|
| Headquarters City | WESTON | ELDON |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 37 | 33 |
| Established | March 21, 1893, midnight | Jan. 20, 1905, 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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