Bank Comparison
Citizens Bank & Trust Company vs Farmers Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank & Trust Company | Farmers Bank & Trust |
|---|---|---|
| CET1 Ratio | 14.69% | — |
| Tier 1 Capital Ratio | 14.69% | — |
| Total Capital Ratio | 15.95% | — |
| Tier 1 Leverage Ratio | 9.28% | 9.43% |
| Equity / Assets | 9.95% | 7.24% |
Profitability
| Metric | Citizens Bank & Trust Company | Farmers Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.34% | 1.17% |
| Return on Equity (ROE) | 13.12% | 16.55% |
| Net Interest Margin (NIM) | 4.21% | 3.73% |
| Yield on Earning Assets | 5.34% | 5.10% |
| Cost of Funds | 1.19% | 1.40% |
Asset quality
| Metric | Citizens Bank & Trust Company | Farmers Bank & Trust |
|---|---|---|
| Texas Ratio | 18.17% | 9.38% |
| Non-Performing Loan Ratio | 0.47% | 1.38% |
| Non-Performing Asset Ratio | 0.27% | 0.73% |
| Net Charge-Off Ratio | 0.00% | 5.75% |
| ACL / Loans | 2.15% | 1.17% |
Balance sheet
| Metric | Citizens Bank & Trust Company | Farmers Bank & Trust |
|---|---|---|
| Total Assets | $158,342K | $158,054K |
| Total Deposits | $130,676K | $145,921K |
| Total Loans | $90,686K | $83,341K |
| Total Equity | $15,761K | $11,441K |
| Net Income (quarter) | $529 | $476 |
Liquidity & funding
| Metric | Citizens Bank & Trust Company | Farmers Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 69.40% | 57.11% |
| Core Deposit Ratio | 94.38% | 93.12% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank & Trust Company | Farmers Bank & Trust |
|---|---|---|
| Headquarters City | BIG TIMBER | ATWOOD |
| Headquarters State | MT | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 27 | 23 |
| Established | Jan. 1, 1927, midnight | Jan. 1, 1914, 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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