Bank Comparison
Citizens Federal Savings and Loan Association of Covington vs First Security Bank-Hendricks
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Citizens Federal Savings and Loan Association of Covington | First Security Bank-Hendricks |
|---|---|---|
| CET1 Ratio | 58.69% | 29.99% |
| Tier 1 Capital Ratio | 58.69% | 29.99% |
| Total Capital Ratio | 59.94% | 30.86% |
| Tier 1 Leverage Ratio | 28.07% | 13.63% |
| Equity / Assets | 27.85% | 11.16% |
Profitability
| Metric | Citizens Federal Savings and Loan Association of Covington | First Security Bank-Hendricks |
|---|---|---|
| Return on Assets (ROA) | 0.20% | 1.65% |
| Return on Equity (ROE) | 0.74% | 15.00% |
| Net Interest Margin (NIM) | 2.37% | 3.47% |
| Yield on Earning Assets | 4.71% | 4.53% |
| Cost of Funds | 3.21% | 1.19% |
Asset quality
| Metric | Citizens Federal Savings and Loan Association of Covington | First Security Bank-Hendricks |
|---|---|---|
| Texas Ratio | 0.22% | 0.00% |
| Non-Performing Loan Ratio | 0.08% | 0.00% |
| Non-Performing Asset Ratio | 0.06% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.88% | 1.11% |
Balance sheet
| Metric | Citizens Federal Savings and Loan Association of Covington | First Security Bank-Hendricks |
|---|---|---|
| Total Assets | $40,591K | $40,319K |
| Total Deposits | $26,754K | $35,727K |
| Total Loans | $31,020K | $14,819K |
| Total Equity | $11,306K | $4,501K |
| Net Income (quarter) | $21 | $174 |
Liquidity & funding
| Metric | Citizens Federal Savings and Loan Association of Covington | First Security Bank-Hendricks |
|---|---|---|
| Loan-to-Deposit Ratio | 115.95% | 41.48% |
| Core Deposit Ratio | 87.93% | 95.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Federal Savings and Loan Association of Covington | First Security Bank-Hendricks |
|---|---|---|
| Headquarters City | COVINGTON | Hendricks |
| Headquarters State | KY | MN |
| Asset Tier | Micro | Micro |
| Charter Class | 700375 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 6 |
| Established | Jan. 1, 1886, midnight | Aug. 30, 1940, 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 Federal Savings and Loan Association of Covington profile | View full First Security Bank-Hendricks profile | Browse all bank comparisons