Bank Comparison
Citizens Bank of Chatsworth vs Farmers State Bank of Hoffman
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 | Citizens Bank of Chatsworth | Farmers State Bank of Hoffman |
|---|---|---|
| CET1 Ratio | 24.56% | — |
| Tier 1 Capital Ratio | 24.56% | — |
| Total Capital Ratio | 25.82% | — |
| Tier 1 Leverage Ratio | 13.51% | 13.02% |
| Equity / Assets | 9.40% | 9.90% |
Profitability
| Metric | Citizens Bank of Chatsworth | Farmers State Bank of Hoffman |
|---|---|---|
| Return on Assets (ROA) | -0.66% | 0.93% |
| Return on Equity (ROE) | -7.34% | 9.08% |
| Net Interest Margin (NIM) | 3.50% | 3.38% |
| Yield on Earning Assets | 4.79% | 4.44% |
| Cost of Funds | 1.46% | 1.18% |
Asset quality
| Metric | Citizens Bank of Chatsworth | Farmers State Bank of Hoffman |
|---|---|---|
| Texas Ratio | 4.21% | 0.00% |
| Non-Performing Loan Ratio | 0.94% | 0.00% |
| Non-Performing Asset Ratio | 0.41% | 0.00% |
| Net Charge-Off Ratio | 0.29% | 0.00% |
| ACL / Loans | 1.72% | 1.33% |
Balance sheet
| Metric | Citizens Bank of Chatsworth | Farmers State Bank of Hoffman |
|---|---|---|
| Total Assets | $38,414K | $38,303K |
| Total Deposits | $33,837K | $34,356K |
| Total Loans | $16,845K | $14,927K |
| Total Equity | $3,609K | $3,793K |
| Net Income (quarter) | $-68 | $87 |
Liquidity & funding
| Metric | Citizens Bank of Chatsworth | Farmers State Bank of Hoffman |
|---|---|---|
| Loan-to-Deposit Ratio | 49.78% | 43.45% |
| Core Deposit Ratio | 90.54% | 95.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank of Chatsworth | Farmers State Bank of Hoffman |
|---|---|---|
| Headquarters City | CHATSWORTH | HOFFMAN |
| Headquarters State | IL | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 10 | 6 |
| Established | Dec. 7, 1903, midnight | March 21, 1911, 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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