Bank Comparison
Blc Community Bank vs Citizens State Bank
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 | Blc Community Bank | Citizens State Bank |
|---|---|---|
| CET1 Ratio | 11.80% | — |
| Tier 1 Capital Ratio | 11.80% | — |
| Total Capital Ratio | 12.82% | — |
| Tier 1 Leverage Ratio | 9.96% | 9.67% |
| Equity / Assets | 8.96% | 9.40% |
Profitability
| Metric | Blc Community Bank | Citizens State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 1.20% |
| Return on Equity (ROE) | 18.56% | 12.96% |
| Net Interest Margin (NIM) | 3.13% | 3.63% |
| Yield on Earning Assets | 5.51% | 5.73% |
| Cost of Funds | 2.55% | 2.34% |
Asset quality
| Metric | Blc Community Bank | Citizens State Bank |
|---|---|---|
| Texas Ratio | 3.20% | 3.65% |
| Non-Performing Loan Ratio | 0.36% | 0.46% |
| Non-Performing Asset Ratio | 0.31% | 0.38% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 0.98% | 1.26% |
Balance sheet
| Metric | Blc Community Bank | Citizens State Bank |
|---|---|---|
| Total Assets | $475,359K | $488,081K |
| Total Deposits | $387,184K | $411,208K |
| Total Loans | $392,313K | $400,748K |
| Total Equity | $42,608K | $45,880K |
| Net Income (quarter) | $1,954K | $1,469K |
Liquidity & funding
| Metric | Blc Community Bank | Citizens State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.32% | 97.46% |
| Core Deposit Ratio | 90.53% | 91.05% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Blc Community Bank | Citizens State Bank |
|---|---|---|
| Headquarters City | LITTLE CHUTE | HUDSON |
| Headquarters State | WI | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 5 |
| Employees (FTE) | 33 | 68 |
| Established | Dec. 6, 1906, midnight | July 15, 1904, 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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