Bank Comparison
Citizens Federal Savings & Loan Association vs Hatch Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 14
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Citizens Federal Savings & Loan Association | Hatch Bank |
|---|---|---|
| CET1 Ratio | 20.08% | 30.76% |
| Tier 1 Capital Ratio | 20.08% | 30.76% |
| Total Capital Ratio | 20.38% | 32.02% |
| Tier 1 Leverage Ratio | 10.80% | 22.73% |
| Equity / Assets | 10.16% | 20.93% |
Profitability
| Metric | Citizens Federal Savings & Loan Association | Hatch Bank |
|---|---|---|
| Return on Assets (ROA) | 0.35% | 4.75% |
| Return on Equity (ROE) | 3.43% | 23.15% |
| Net Interest Margin (NIM) | 2.64% | 5.29% |
| Yield on Earning Assets | 4.52% | 7.22% |
| Cost of Funds | 2.03% | 2.67% |
Asset quality
| Metric | Citizens Federal Savings & Loan Association | Hatch Bank |
|---|---|---|
| Texas Ratio | 0.60% | 0.71% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 1.15% |
| ACL / Loans | 0.21% | 1.94% |
Balance sheet
| Metric | Citizens Federal Savings & Loan Association | Hatch Bank |
|---|---|---|
| Total Assets | $186,592K | $186,754K |
| Total Deposits | $165,288K | $57,074K |
| Total Loans | $145,893K | $120,249K |
| Total Equity | $18,956K | $39,083K |
| Net Income (quarter) | $163 | $2,199K |
Liquidity & funding
| Metric | Citizens Federal Savings & Loan Association | Hatch Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.27% | 210.69% |
| Core Deposit Ratio | 81.31% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Federal Savings & Loan Association | Hatch Bank |
|---|---|---|
| Headquarters City | BELLEFONTAINE | SAN MARCOS |
| Headquarters State | OH | CA |
| Asset Tier | Small | Small |
| Charter Class | 700824 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 26 | 26 |
| Established | Jan. 1, 1885, midnight | Jan. 2, 1982, 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 & Loan Association profile | View full Hatch Bank profile | Browse all bank comparisons