Bank Comparison
Citizens Bank Minnesota vs Hatboro Federal Savings
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens Bank Minnesota | Hatboro Federal Savings |
|---|---|---|
| CET1 Ratio | 11.67% | 42.51% |
| Tier 1 Capital Ratio | 11.67% | 42.51% |
| Total Capital Ratio | 12.33% | 43.46% |
| Tier 1 Leverage Ratio | 9.39% | 24.49% |
| Equity / Assets | 9.12% | 24.24% |
Profitability
| Metric | Citizens Bank Minnesota | Hatboro Federal Savings |
|---|---|---|
| Return on Assets (ROA) | 0.81% | 1.10% |
| Return on Equity (ROE) | 8.95% | 4.57% |
| Net Interest Margin (NIM) | 3.10% | 3.12% |
| Yield on Earning Assets | 4.80% | 5.23% |
| Cost of Funds | 1.77% | 2.65% |
Asset quality
| Metric | Citizens Bank Minnesota | Hatboro Federal Savings |
|---|---|---|
| Texas Ratio | 0.19% | 5.73% |
| Non-Performing Loan Ratio | 0.00% | 1.78% |
| Non-Performing Asset Ratio | 0.00% | 1.42% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.73% | 0.68% |
Balance sheet
| Metric | Citizens Bank Minnesota | Hatboro Federal Savings |
|---|---|---|
| Total Assets | $589,979K | $590,545K |
| Total Deposits | $506,474K | $437,922K |
| Total Loans | $399,314K | $472,208K |
| Total Equity | $53,826K | $143,141K |
| Net Income (quarter) | $1,190K | $1,628K |
Liquidity & funding
| Metric | Citizens Bank Minnesota | Hatboro Federal Savings |
|---|---|---|
| Loan-to-Deposit Ratio | 78.84% | 107.83% |
| Core Deposit Ratio | 95.15% | 85.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank Minnesota | Hatboro Federal Savings |
|---|---|---|
| Headquarters City | NEW ULM | HATBORO |
| Headquarters State | MN | PA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 704859 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 4 |
| Employees (FTE) | 93 | 38 |
| Established | Dec. 13, 1875, midnight | June 30, 1941, 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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