Bank Comparison
Citizens Bank & Trust Company vs Bank of Sunset & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 16
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank & Trust Company | Bank of Sunset & Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.35% | 11.30% |
| Equity / Assets | 10.24% | 10.17% |
Profitability
| Metric | Citizens Bank & Trust Company | Bank of Sunset & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 1.77% |
| Return on Equity (ROE) | 7.32% | 17.79% |
| Net Interest Margin (NIM) | 3.78% | 4.94% |
| Yield on Earning Assets | 5.68% | 6.33% |
| Cost of Funds | 2.07% | 1.55% |
Asset quality
| Metric | Citizens Bank & Trust Company | Bank of Sunset & Trust Company |
|---|---|---|
| Texas Ratio | 47.09% | 4.26% |
| Non-Performing Loan Ratio | 7.70% | 0.61% |
| Non-Performing Asset Ratio | 5.18% | 0.48% |
| Net Charge-Off Ratio | 0.28% | 0.04% |
| ACL / Loans | 1.21% | 1.28% |
Balance sheet
| Metric | Citizens Bank & Trust Company | Bank of Sunset & Trust Company |
|---|---|---|
| Total Assets | $188,414K | $196,247K |
| Total Deposits | $167,320K | $173,916K |
| Total Loans | $117,390K | $153,496K |
| Total Equity | $19,293K | $19,961K |
| Net Income (quarter) | $350 | $869 |
Liquidity & funding
| Metric | Citizens Bank & Trust Company | Bank of Sunset & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 70.16% | 88.26% |
| Core Deposit Ratio | 84.27% | 91.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank & Trust Company | Bank of Sunset & Trust Company |
|---|---|---|
| Headquarters City | COVINGTON | SUNSET |
| Headquarters State | LA | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 4 |
| Employees (FTE) | 34 | 33 |
| Established | Dec. 31, 1945, midnight | Jan. 1, 1906, 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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