Bank Comparison
Citizens Bank & Trust Company vs Citizens Federal Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank & Trust Company | Citizens Federal Savings Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.35% | 20.05% |
| Equity / Assets | 10.24% | 19.60% |
Profitability
| Metric | Citizens Bank & Trust Company | Citizens Federal Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 0.21% |
| Return on Equity (ROE) | 7.32% | 1.13% |
| Net Interest Margin (NIM) | 3.78% | 2.88% |
| Yield on Earning Assets | 5.68% | 4.20% |
| Cost of Funds | 2.07% | 1.60% |
Asset quality
| Metric | Citizens Bank & Trust Company | Citizens Federal Savings Bank |
|---|---|---|
| Texas Ratio | 47.09% | 0.82% |
| Non-Performing Loan Ratio | 7.70% | 0.14% |
| Non-Performing Asset Ratio | 5.18% | 0.10% |
| Net Charge-Off Ratio | 0.28% | 0.02% |
| ACL / Loans | 1.21% | 0.30% |
Balance sheet
| Metric | Citizens Bank & Trust Company | Citizens Federal Savings Bank |
|---|---|---|
| Total Assets | $188,414K | $188,470K |
| Total Deposits | $167,320K | $147,442K |
| Total Loans | $117,390K | $135,749K |
| Total Equity | $19,293K | $36,948K |
| Net Income (quarter) | $350 | $104 |
Liquidity & funding
| Metric | Citizens Bank & Trust Company | Citizens Federal Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.16% | 92.07% |
| Core Deposit Ratio | 84.27% | 86.10% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank & Trust Company | Citizens Federal Savings Bank |
|---|---|---|
| Headquarters City | COVINGTON | LEAVENWORTH |
| Headquarters State | LA | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 704846 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 34 | 29 |
| Established | Dec. 31, 1945, midnight | Jan. 1, 1884, 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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