Bank Comparison
Citizens Bank of the South vs Exchange Bank of Alabama, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank of the South | Exchange Bank of Alabama, the |
|---|---|---|
| CET1 Ratio | 17.31% | — |
| Tier 1 Capital Ratio | 17.31% | — |
| Total Capital Ratio | 18.56% | — |
| Tier 1 Leverage Ratio | 12.58% | 14.97% |
| Equity / Assets | 11.84% | 13.00% |
Profitability
| Metric | Citizens Bank of the South | Exchange Bank of Alabama, the |
|---|---|---|
| Return on Assets (ROA) | 1.54% | 1.14% |
| Return on Equity (ROE) | 12.21% | 9.00% |
| Net Interest Margin (NIM) | 4.98% | 3.73% |
| Yield on Earning Assets | 6.53% | 4.77% |
| Cost of Funds | 1.69% | 1.20% |
Asset quality
| Metric | Citizens Bank of the South | Exchange Bank of Alabama, the |
|---|---|---|
| Texas Ratio | 2.80% | 0.02% |
| Non-Performing Loan Ratio | 0.48% | 0.00% |
| Non-Performing Asset Ratio | 0.36% | 0.00% |
| Net Charge-Off Ratio | 0.03% | 0.05% |
| ACL / Loans | 1.26% | 1.28% |
Balance sheet
| Metric | Citizens Bank of the South | Exchange Bank of Alabama, the |
|---|---|---|
| Total Assets | $395,451K | $395,319K |
| Total Deposits | $342,799K | $340,899K |
| Total Loans | $295,439K | $205,141K |
| Total Equity | $46,814K | $51,375K |
| Net Income (quarter) | $1,436K | $1,159K |
Liquidity & funding
| Metric | Citizens Bank of the South | Exchange Bank of Alabama, the |
|---|---|---|
| Loan-to-Deposit Ratio | 86.18% | 60.18% |
| Core Deposit Ratio | 95.53% | 89.31% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank of the South | Exchange Bank of Alabama, the |
|---|---|---|
| Headquarters City | SANDERSVILLE | ALTOONA |
| Headquarters State | GA | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 61 | 68 |
| Established | May 3, 1965, midnight | March 20, 1913, 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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