Bank Comparison
Citizens Bank & Trust Company of Vivian, Louisiana vs Belmont Savings Bank, Ssb
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 of Vivian, Louisiana | Belmont Savings Bank, Ssb |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.17% | 12.94% |
| Equity / Assets | 6.42% | 12.27% |
Profitability
| Metric | Citizens Bank & Trust Company of Vivian, Louisiana | Belmont Savings Bank, Ssb |
|---|---|---|
| Return on Assets (ROA) | 0.34% | 0.44% |
| Return on Equity (ROE) | 5.45% | 3.61% |
| Net Interest Margin (NIM) | 3.24% | 2.65% |
| Yield on Earning Assets | 4.76% | 5.29% |
| Cost of Funds | 1.55% | 2.92% |
Asset quality
| Metric | Citizens Bank & Trust Company of Vivian, Louisiana | Belmont Savings Bank, Ssb |
|---|---|---|
| Texas Ratio | 5.84% | 8.61% |
| Non-Performing Loan Ratio | 0.63% | 1.29% |
| Non-Performing Asset Ratio | 0.30% | 1.08% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 0.80% | 0.36% |
Balance sheet
| Metric | Citizens Bank & Trust Company of Vivian, Louisiana | Belmont Savings Bank, Ssb |
|---|---|---|
| Total Assets | $155,789K | $155,591K |
| Total Deposits | $143,238K | $106,485K |
| Total Loans | $68,446K | $130,773K |
| Total Equity | $10,005K | $19,098K |
| Net Income (quarter) | $138 | $172 |
Liquidity & funding
| Metric | Citizens Bank & Trust Company of Vivian, Louisiana | Belmont Savings Bank, Ssb |
|---|---|---|
| Loan-to-Deposit Ratio | 47.78% | 122.81% |
| Core Deposit Ratio | 88.64% | 72.18% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank & Trust Company of Vivian, Louisiana | Belmont Savings Bank, Ssb |
|---|---|---|
| Headquarters City | VIVIAN | BELMONT |
| Headquarters State | LA | NC |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 1 |
| Employees (FTE) | 55 | 12 |
| Established | Sept. 14, 1967, midnight | Jan. 1, 1915, 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.
View full Citizens Bank & Trust Company of Vivian, Louisiana profile | View full Belmont Savings Bank, Ssb profile | Browse all bank comparisons