Bank Comparison
Citizens-farmers Bank of Cole Camp, the vs Badger Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens-farmers Bank of Cole Camp, the | Badger Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.81% | 11.97% |
| Equity / Assets | 14.09% | 10.66% |
Profitability
| Metric | Citizens-farmers Bank of Cole Camp, the | Badger Bank |
|---|---|---|
| Return on Assets (ROA) | 2.45% | 1.28% |
| Return on Equity (ROE) | 17.20% | 12.11% |
| Net Interest Margin (NIM) | 4.14% | 3.52% |
| Yield on Earning Assets | 6.08% | 4.93% |
| Cost of Funds | 2.13% | 1.54% |
Asset quality
| Metric | Citizens-farmers Bank of Cole Camp, the | Badger Bank |
|---|---|---|
| Texas Ratio | 9.75% | 13.84% |
| Non-Performing Loan Ratio | 1.24% | 2.26% |
| Non-Performing Asset Ratio | 1.21% | 1.54% |
| Net Charge-Off Ratio | -0.04% | 0.00% |
| ACL / Loans | 1.32% | 1.04% |
Balance sheet
| Metric | Citizens-farmers Bank of Cole Camp, the | Badger Bank |
|---|---|---|
| Total Assets | $208,742K | $208,831K |
| Total Deposits | $177,711K | $172,949K |
| Total Loans | $131,856K | $142,006K |
| Total Equity | $29,416K | $22,252K |
| Net Income (quarter) | $1,243K | $668 |
Liquidity & funding
| Metric | Citizens-farmers Bank of Cole Camp, the | Badger Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.20% | 82.11% |
| Core Deposit Ratio | 90.89% | 91.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens-farmers Bank of Cole Camp, the | Badger Bank |
|---|---|---|
| Headquarters City | COLE CAMP | FORT ATKINSON |
| Headquarters State | MO | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 29 | 38 |
| Established | March 29, 1929, midnight | Jan. 7, 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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