Bank Comparison
Citizens Alliance Bank vs Meadows Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 14
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Citizens Alliance Bank | Meadows Bank |
|---|---|---|
| CET1 Ratio | 12.91% | — |
| Tier 1 Capital Ratio | 12.91% | — |
| Total Capital Ratio | 13.95% | — |
| Tier 1 Leverage Ratio | 9.63% | 13.95% |
| Equity / Assets | 9.81% | 13.39% |
Profitability
| Metric | Citizens Alliance Bank | Meadows Bank |
|---|---|---|
| Return on Assets (ROA) | -0.82% | 1.51% |
| Return on Equity (ROE) | -8.32% | 10.85% |
| Net Interest Margin (NIM) | 3.63% | 4.64% |
| Yield on Earning Assets | 5.67% | 6.36% |
| Cost of Funds | 2.14% | 1.94% |
Asset quality
| Metric | Citizens Alliance Bank | Meadows Bank |
|---|---|---|
| Texas Ratio | 12.94% | 6.56% |
| Non-Performing Loan Ratio | 1.75% | 0.90% |
| Non-Performing Asset Ratio | 1.18% | 0.81% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.15% | 1.09% |
Balance sheet
| Metric | Citizens Alliance Bank | Meadows Bank |
|---|---|---|
| Total Assets | $1,453M | $1,452M |
| Total Deposits | $1,255M | $1,073M |
| Total Loans | $980,548K | $1,299M |
| Total Equity | $142,563K | $194,516K |
| Net Income (quarter) | $-3,009 | $5,323K |
Liquidity & funding
| Metric | Citizens Alliance Bank | Meadows Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.12% | 121.06% |
| Core Deposit Ratio | 86.61% | 85.48% |
| Uninsured Deposit Ratio | 49.51% | 43.65% |
Identity
| Metric | Citizens Alliance Bank | Meadows Bank |
|---|---|---|
| Headquarters City | CLARA CITY | LAS VEGAS |
| Headquarters State | MN | NV |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 17 | 6 |
| Employees (FTE) | 218 | 166 |
| Established | July 2, 1902, midnight | March 26, 2008, 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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