Bank Comparison
Citizens Bank & Trust Company vs Cbl State Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank & Trust Company | Cbl State Savings Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.35% | 16.02% |
| Equity / Assets | 10.24% | 15.48% |
Profitability
| Metric | Citizens Bank & Trust Company | Cbl State Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 0.16% |
| Return on Equity (ROE) | 7.32% | 1.02% |
| Net Interest Margin (NIM) | 3.78% | 2.11% |
| Yield on Earning Assets | 5.68% | 5.21% |
| Cost of Funds | 2.07% | 3.54% |
Asset quality
| Metric | Citizens Bank & Trust Company | Cbl State Savings Bank |
|---|---|---|
| Texas Ratio | 47.09% | 0.18% |
| Non-Performing Loan Ratio | 7.70% | 0.05% |
| Non-Performing Asset Ratio | 5.18% | 0.03% |
| Net Charge-Off Ratio | 0.28% | 0.00% |
| ACL / Loans | 1.21% | 0.93% |
Balance sheet
| Metric | Citizens Bank & Trust Company | Cbl State Savings Bank |
|---|---|---|
| Total Assets | $188,414K | $188,370K |
| Total Deposits | $167,320K | $122,772K |
| Total Loans | $117,390K | $117,960K |
| Total Equity | $19,293K | $29,159K |
| Net Income (quarter) | $350 | $74 |
Liquidity & funding
| Metric | Citizens Bank & Trust Company | Cbl State Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.16% | 96.08% |
| Core Deposit Ratio | 84.27% | 72.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank & Trust Company | Cbl State Savings Bank |
|---|---|---|
| Headquarters City | COVINGTON | GREER |
| Headquarters State | LA | SC |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 2 |
| Employees (FTE) | 34 | 16 |
| Established | Dec. 31, 1945, midnight | Jan. 1, 1907, 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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