Bank Comparison
Citizens Bank of the South vs First State Bank Southwest
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 5
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens Bank of the South | First State Bank Southwest |
|---|---|---|
| CET1 Ratio | 17.31% | 16.41% |
| Tier 1 Capital Ratio | 17.31% | 16.41% |
| Total Capital Ratio | 18.56% | 17.66% |
| Tier 1 Leverage Ratio | 12.58% | 9.78% |
| Equity / Assets | 11.84% | 6.40% |
Profitability
| Metric | Citizens Bank of the South | First State Bank Southwest |
|---|---|---|
| Return on Assets (ROA) | 1.54% | 0.89% |
| Return on Equity (ROE) | 12.21% | 13.80% |
| Net Interest Margin (NIM) | 4.98% | 3.10% |
| Yield on Earning Assets | 6.53% | 4.55% |
| Cost of Funds | 1.69% | 1.53% |
Asset quality
| Metric | Citizens Bank of the South | First State Bank Southwest |
|---|---|---|
| Texas Ratio | 2.80% | 6.05% |
| Non-Performing Loan Ratio | 0.48% | 0.73% |
| Non-Performing Asset Ratio | 0.36% | 0.44% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 1.26% | 1.43% |
Balance sheet
| Metric | Citizens Bank of the South | First State Bank Southwest |
|---|---|---|
| Total Assets | $395,451K | $395,374K |
| Total Deposits | $342,799K | $335,717K |
| Total Loans | $295,439K | $218,131K |
| Total Equity | $46,814K | $25,299K |
| Net Income (quarter) | $1,436K | $914 |
Liquidity & funding
| Metric | Citizens Bank of the South | First State Bank Southwest |
|---|---|---|
| Loan-to-Deposit Ratio | 86.18% | 64.97% |
| Core Deposit Ratio | 95.53% | 93.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank of the South | First State Bank Southwest |
|---|---|---|
| Headquarters City | SANDERSVILLE | PIPESTONE |
| Headquarters State | GA | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 3 | 6 |
| Employees (FTE) | 61 | 48 |
| Established | May 3, 1965, midnight | Jan. 1, 1903, 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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