Bank Comparison
Citizens First Bank vs Flatirons Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 19
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Citizens First Bank | Flatirons Bank |
|---|---|---|
| CET1 Ratio | 9.87% | 13.10% |
| Tier 1 Capital Ratio | 9.87% | 13.10% |
| Total Capital Ratio | 10.93% | 14.35% |
| Tier 1 Leverage Ratio | 8.32% | 9.04% |
| Equity / Assets | 6.34% | 7.88% |
Profitability
| Metric | Citizens First Bank | Flatirons Bank |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 1.52% |
| Return on Equity (ROE) | 16.23% | 19.38% |
| Net Interest Margin (NIM) | 2.99% | 3.80% |
| Yield on Earning Assets | 5.39% | 5.50% |
| Cost of Funds | 2.57% | 1.80% |
Asset quality
| Metric | Citizens First Bank | Flatirons Bank |
|---|---|---|
| Texas Ratio | 22.53% | 4.04% |
| Non-Performing Loan Ratio | 1.66% | 0.49% |
| Non-Performing Asset Ratio | 1.28% | 0.35% |
| Net Charge-Off Ratio | 0.33% | -0.01% |
| ACL / Loans | 1.16% | 1.19% |
Balance sheet
| Metric | Citizens First Bank | Flatirons Bank |
|---|---|---|
| Total Assets | $359,325K | $358,938K |
| Total Deposits | $288,929K | $325,902K |
| Total Loans | $276,974K | $257,187K |
| Total Equity | $22,765K | $28,279K |
| Net Income (quarter) | $922 | $1,351K |
Liquidity & funding
| Metric | Citizens First Bank | Flatirons Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.86% | 78.92% |
| Core Deposit Ratio | 75.81% | 94.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens First Bank | Flatirons Bank |
|---|---|---|
| Headquarters City | CLINTON | BOULDER |
| Headquarters State | IA | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 51 | 43 |
| Established | March 14, 2000, midnight | Dec. 22, 2001, 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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