Bank Comparison
Citizens Bank & Trust Company vs Integro Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank & Trust Company | Integro Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.35% | 10.73% |
| Equity / Assets | 10.24% | 10.61% |
Profitability
| Metric | Citizens Bank & Trust Company | Integro Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | -1.01% |
| Return on Equity (ROE) | 7.32% | -9.01% |
| Net Interest Margin (NIM) | 3.78% | 4.11% |
| Yield on Earning Assets | 5.68% | 6.93% |
| Cost of Funds | 2.07% | 3.09% |
Asset quality
| Metric | Citizens Bank & Trust Company | Integro Bank |
|---|---|---|
| Texas Ratio | 47.09% | 20.59% |
| Non-Performing Loan Ratio | 7.70% | 2.99% |
| Non-Performing Asset Ratio | 5.18% | 2.40% |
| Net Charge-Off Ratio | 0.28% | 0.00% |
| ACL / Loans | 1.21% | 1.75% |
Balance sheet
| Metric | Citizens Bank & Trust Company | Integro Bank |
|---|---|---|
| Total Assets | $188,414K | $188,612K |
| Total Deposits | $167,320K | $141,823K |
| Total Loans | $117,390K | $151,423K |
| Total Equity | $19,293K | $20,019K |
| Net Income (quarter) | $350 | $-458 |
Liquidity & funding
| Metric | Citizens Bank & Trust Company | Integro Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.16% | 106.77% |
| Core Deposit Ratio | 84.27% | 82.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank & Trust Company | Integro Bank |
|---|---|---|
| Headquarters City | COVINGTON | PHOENIX |
| Headquarters State | LA | AZ |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 34 | 36 |
| Established | Dec. 31, 1945, midnight | June 21, 2022, 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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