Bank Comparison
The Citizens Bank vs Community Bank of Wichita, Inc.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 5
winning metrics across 16 scored rows
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Capital adequacy
| Metric | The Citizens Bank | Community Bank of Wichita, Inc. |
|---|---|---|
| CET1 Ratio | 26.46% | 10.96% |
| Tier 1 Capital Ratio | 26.46% | 10.96% |
| Total Capital Ratio | 27.51% | 12.19% |
| Tier 1 Leverage Ratio | 12.22% | 8.64% |
| Equity / Assets | 9.61% | 7.83% |
Profitability
| Metric | The Citizens Bank | Community Bank of Wichita, Inc. |
|---|---|---|
| Return on Assets (ROA) | 1.09% | 1.40% |
| Return on Equity (ROE) | 11.41% | 18.23% |
| Net Interest Margin (NIM) | 3.07% | 4.53% |
| Yield on Earning Assets | 4.46% | 6.83% |
| Cost of Funds | 1.52% | 2.42% |
Asset quality
| Metric | The Citizens Bank | Community Bank of Wichita, Inc. |
|---|---|---|
| Texas Ratio | 5.47% | 6.41% |
| Non-Performing Loan Ratio | 1.87% | 0.72% |
| Non-Performing Asset Ratio | 0.55% | 0.58% |
| Net Charge-Off Ratio | 0.07% | 0.22% |
| ACL / Loans | 1.32% | 1.13% |
Balance sheet
| Metric | The Citizens Bank | Community Bank of Wichita, Inc. |
|---|---|---|
| Total Assets | $129.2M | $128.3M |
| Total Deposits | $116.2M | $117.6M |
| Total Loans | $37.7M | $103.8M |
| Total Equity | $12.4M | $10.0M |
| Net Income (quarter) | $353K | $452K |
Liquidity & funding
| Metric | The Citizens Bank | Community Bank of Wichita, Inc. |
|---|---|---|
| Loan-to-Deposit Ratio | 32.48% | 88.20% |
| Core Deposit Ratio | 86.02% | 82.44% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Citizens Bank | Community Bank of Wichita, Inc. |
|---|---|---|
| Headquarters City | Greensboro | Wichita |
| Headquarters State | AL | KS |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 13 | 21 |
| Established | November 1, 1976 | August 16, 1999 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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