Bank Comparison
Citizens-farmers Bank of Cole Camp, the vs State Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens-farmers Bank of Cole Camp, the | State Savings Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.81% | 10.40% |
| Equity / Assets | 14.09% | 11.20% |
Profitability
| Metric | Citizens-farmers Bank of Cole Camp, the | State Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 2.45% | 1.57% |
| Return on Equity (ROE) | 17.20% | 13.65% |
| Net Interest Margin (NIM) | 4.14% | 4.19% |
| Yield on Earning Assets | 6.08% | 6.21% |
| Cost of Funds | 2.13% | 2.16% |
Asset quality
| Metric | Citizens-farmers Bank of Cole Camp, the | State Savings Bank |
|---|---|---|
| Texas Ratio | 9.75% | 7.23% |
| Non-Performing Loan Ratio | 1.24% | 0.23% |
| Non-Performing Asset Ratio | 1.21% | 0.22% |
| Net Charge-Off Ratio | -0.04% | 0.04% |
| ACL / Loans | 1.32% | 0.86% |
Balance sheet
| Metric | Citizens-farmers Bank of Cole Camp, the | State Savings Bank |
|---|---|---|
| Total Assets | $208,742K | $208,612K |
| Total Deposits | $177,711K | $182,564K |
| Total Loans | $131,856K | $179,728K |
| Total Equity | $29,416K | $23,373K |
| Net Income (quarter) | $1,243K | $784 |
Liquidity & funding
| Metric | Citizens-farmers Bank of Cole Camp, the | State Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.20% | 98.45% |
| Core Deposit Ratio | 90.89% | 92.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens-farmers Bank of Cole Camp, the | State Savings Bank |
|---|---|---|
| Headquarters City | COLE CAMP | BEDFORD |
| Headquarters State | MO | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 29 | 25 |
| Established | March 29, 1929, 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.
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