Bank Comparison
Citizens Bank, the vs First Reliance Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Citizens Bank, the | First Reliance Bank |
|---|---|---|
| CET1 Ratio | 16.96% | 13.04% |
| Tier 1 Capital Ratio | 16.96% | 13.04% |
| Total Capital Ratio | 18.21% | 14.15% |
| Tier 1 Leverage Ratio | 9.71% | 10.53% |
| Equity / Assets | 10.27% | 10.00% |
Profitability
| Metric | Citizens Bank, the | First Reliance Bank |
|---|---|---|
| Return on Assets (ROA) | 1.16% | 1.35% |
| Return on Equity (ROE) | 11.17% | 13.39% |
| Net Interest Margin (NIM) | 4.17% | 3.82% |
| Yield on Earning Assets | 5.26% | 5.53% |
| Cost of Funds | 1.15% | 1.78% |
Asset quality
| Metric | Citizens Bank, the | First Reliance Bank |
|---|---|---|
| Texas Ratio | 2.23% | 2.19% |
| Non-Performing Loan Ratio | 0.24% | 0.25% |
| Non-Performing Asset Ratio | 0.20% | 0.19% |
| Net Charge-Off Ratio | 0.06% | 0.00% |
| ACL / Loans | 1.24% | 1.11% |
Balance sheet
| Metric | Citizens Bank, the | First Reliance Bank |
|---|---|---|
| Total Assets | $1,164M | $1,116M |
| Total Deposits | $1,034M | $930,785K |
| Total Loans | $629,474K | $816,820K |
| Total Equity | $119,554K | $111,688K |
| Net Income (quarter) | $3,311K | $3,688K |
Liquidity & funding
| Metric | Citizens Bank, the | First Reliance Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.82% | 87.76% |
| Core Deposit Ratio | 98.37% | 94.36% |
| Uninsured Deposit Ratio | 30.86% | 40.55% |
Identity
| Metric | Citizens Bank, the | First Reliance Bank |
|---|---|---|
| Headquarters City | OLANTA | FLORENCE |
| Headquarters State | SC | SC |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 26 | 11 |
| Employees (FTE) | 200 | 158 |
| Established | Sept. 24, 1938, midnight | Aug. 16, 1999, 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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