Bank Comparison
Citizens Bank vs First Liberty Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank | First Liberty Bank |
|---|---|---|
| CET1 Ratio | — | 13.11% |
| Tier 1 Capital Ratio | — | 13.11% |
| Total Capital Ratio | — | 14.36% |
| Tier 1 Leverage Ratio | 15.89% | 11.47% |
| Equity / Assets | 12.50% | 11.52% |
Profitability
| Metric | Citizens Bank | First Liberty Bank |
|---|---|---|
| Return on Assets (ROA) | 1.97% | 0.98% |
| Return on Equity (ROE) | 15.60% | 8.66% |
| Net Interest Margin (NIM) | 3.82% | 3.97% |
| Yield on Earning Assets | 5.75% | 6.60% |
| Cost of Funds | 2.17% | 2.95% |
Asset quality
| Metric | Citizens Bank | First Liberty Bank |
|---|---|---|
| Texas Ratio | 2.21% | 17.31% |
| Non-Performing Loan Ratio | 0.51% | 2.63% |
| Non-Performing Asset Ratio | 0.28% | 2.22% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.23% | 1.57% |
Balance sheet
| Metric | Citizens Bank | First Liberty Bank |
|---|---|---|
| Total Assets | $834,392K | $835,338K |
| Total Deposits | $724,408K | $720,622K |
| Total Loans | $454,012K | $706,609K |
| Total Equity | $104,331K | $96,205K |
| Net Income (quarter) | $4,232K | $2,069K |
Liquidity & funding
| Metric | Citizens Bank | First Liberty Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.67% | 98.06% |
| Core Deposit Ratio | 78.70% | 85.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank | First Liberty Bank |
|---|---|---|
| Headquarters City | CARTHAGE | OKLAHOMA CITY |
| Headquarters State | TN | OK |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 3 |
| Employees (FTE) | 69 | 95 |
| Established | Oct. 26, 1929, midnight | Dec. 12, 1933, 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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