Bank Comparison
Citizens Bank & Trust CO., Hutchinson, MINN. vs Stock Exchange Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Citizens Bank & Trust CO., Hutchinson, MINN. | Stock Exchange Bank, the |
|---|---|---|
| CET1 Ratio | 14.22% | — |
| Tier 1 Capital Ratio | 14.22% | — |
| Total Capital Ratio | 15.41% | — |
| Tier 1 Leverage Ratio | 8.48% | 18.26% |
| Equity / Assets | 5.29% | 17.34% |
Profitability
| Metric | Citizens Bank & Trust CO., Hutchinson, MINN. | Stock Exchange Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.14% | 1.86% |
| Return on Equity (ROE) | 22.79% | 10.68% |
| Net Interest Margin (NIM) | 3.22% | 3.85% |
| Yield on Earning Assets | 4.39% | 5.10% |
| Cost of Funds | 1.20% | 1.48% |
Asset quality
| Metric | Citizens Bank & Trust CO., Hutchinson, MINN. | Stock Exchange Bank, the |
|---|---|---|
| Texas Ratio | 4.13% | 1.27% |
| Non-Performing Loan Ratio | 0.47% | 0.38% |
| Non-Performing Asset Ratio | 0.25% | 0.23% |
| Net Charge-Off Ratio | 0.00% | 0.81% |
| ACL / Loans | 1.34% | 1.94% |
Balance sheet
| Metric | Citizens Bank & Trust CO., Hutchinson, MINN. | Stock Exchange Bank, the |
|---|---|---|
| Total Assets | $310,003K | $309,845K |
| Total Deposits | $266,977K | $253,349K |
| Total Loans | $162,551K | $144,191K |
| Total Equity | $16,384K | $53,741K |
| Net Income (quarter) | $925 | $1,418K |
Liquidity & funding
| Metric | Citizens Bank & Trust CO., Hutchinson, MINN. | Stock Exchange Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 60.89% | 56.91% |
| Core Deposit Ratio | 94.11% | 85.66% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank & Trust CO., Hutchinson, MINN. | Stock Exchange Bank, the |
|---|---|---|
| Headquarters City | HUTCHINSON | WOODWARD |
| Headquarters State | MN | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 36 | 33 |
| Established | Jan. 1, 1886, midnight | Jan. 3, 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.
View full Citizens Bank & Trust CO., Hutchinson, MINN. profile | View full Stock Exchange Bank, the profile | Browse all bank comparisons