Bank Comparison
Citizens Bank of Winfield, the vs Mcclain Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
1 · 19
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank of Winfield, the | Mcclain Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.48% | 9.93% |
| Equity / Assets | 9.14% | 10.38% |
Profitability
| Metric | Citizens Bank of Winfield, the | Mcclain Bank |
|---|---|---|
| Return on Assets (ROA) | 0.43% | 1.59% |
| Return on Equity (ROE) | 5.27% | 16.24% |
| Net Interest Margin (NIM) | 2.45% | 4.77% |
| Yield on Earning Assets | 4.99% | 6.12% |
| Cost of Funds | 2.92% | 1.53% |
Asset quality
| Metric | Citizens Bank of Winfield, the | Mcclain Bank |
|---|---|---|
| Texas Ratio | 3.46% | 2.28% |
| Non-Performing Loan Ratio | 0.84% | 0.30% |
| Non-Performing Asset Ratio | 0.33% | 0.21% |
| Net Charge-Off Ratio | 0.40% | 0.07% |
| ACL / Loans | 0.94% | 1.27% |
Balance sheet
| Metric | Citizens Bank of Winfield, the | Mcclain Bank |
|---|---|---|
| Total Assets | $293,444K | $293,501K |
| Total Deposits | $219,430K | $262,197K |
| Total Loans | $113,830K | $193,415K |
| Total Equity | $26,823K | $30,452K |
| Net Income (quarter) | $358 | $1,217K |
Liquidity & funding
| Metric | Citizens Bank of Winfield, the | Mcclain Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 51.88% | 73.77% |
| Core Deposit Ratio | 76.48% | 97.90% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank of Winfield, the | Mcclain Bank |
|---|---|---|
| Headquarters City | WINFIELD | PURCELL |
| Headquarters State | AL | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 35 | 48 |
| Established | May 22, 1920, midnight | March 8, 1922, 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.
View full Citizens Bank of Winfield, the profile | View full Mcclain Bank profile | Browse all bank comparisons