Bank Comparison
Citizens Bank vs Riverhills Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank | Riverhills Bank |
|---|---|---|
| CET1 Ratio | 20.90% | — |
| Tier 1 Capital Ratio | 20.90% | — |
| Total Capital Ratio | 22.15% | — |
| Tier 1 Leverage Ratio | 13.08% | 12.25% |
| Equity / Assets | 12.02% | 12.17% |
Profitability
| Metric | Citizens Bank | Riverhills Bank |
|---|---|---|
| Return on Assets (ROA) | 2.33% | 1.83% |
| Return on Equity (ROE) | 18.80% | 15.17% |
| Net Interest Margin (NIM) | 4.98% | 3.98% |
| Yield on Earning Assets | 5.95% | 5.41% |
| Cost of Funds | 1.06% | 1.63% |
Asset quality
| Metric | Citizens Bank | Riverhills Bank |
|---|---|---|
| Texas Ratio | 4.38% | 3.16% |
| Non-Performing Loan Ratio | 0.72% | 0.36% |
| Non-Performing Asset Ratio | 0.49% | 0.19% |
| Net Charge-Off Ratio | 0.15% | -0.19% |
| ACL / Loans | 1.30% | 2.20% |
Balance sheet
| Metric | Citizens Bank | Riverhills Bank |
|---|---|---|
| Total Assets | $486,204K | $447,075K |
| Total Deposits | $423,317K | $390,336K |
| Total Loans | $298,689K | $236,844K |
| Total Equity | $58,444K | $54,400K |
| Net Income (quarter) | $2,785K | $2,037K |
Liquidity & funding
| Metric | Citizens Bank | Riverhills Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.56% | 60.68% |
| Core Deposit Ratio | 93.05% | 90.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank | Riverhills Bank |
|---|---|---|
| Headquarters City | COLUMBIA | VICKSBURG |
| Headquarters State | MS | MS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 5 |
| Employees (FTE) | 111 | 52 |
| Established | July 15, 1914, midnight | Feb. 1, 1890, 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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