Bank Comparison
Citizens First Bank vs Clare Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens First Bank | Clare Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.25% | 11.29% |
| Equity / Assets | 9.47% | 8.88% |
Profitability
| Metric | Citizens First Bank | Clare Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.95% | 0.93% |
| Return on Equity (ROE) | 20.18% | 11.01% |
| Net Interest Margin (NIM) | 4.16% | 2.32% |
| Yield on Earning Assets | 6.05% | 3.94% |
| Cost of Funds | 2.01% | 1.82% |
Asset quality
| Metric | Citizens First Bank | Clare Bank, N.A. |
|---|---|---|
| Texas Ratio | 5.81% | 3.90% |
| Non-Performing Loan Ratio | 0.78% | 0.70% |
| Non-Performing Asset Ratio | 0.58% | 0.35% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.26% | 0.47% |
Balance sheet
| Metric | Citizens First Bank | Clare Bank, N.A. |
|---|---|---|
| Total Assets | $344,168K | $342,755K |
| Total Deposits | $282,194K | $286,713K |
| Total Loans | $254,315K | $172,951K |
| Total Equity | $32,590K | $30,439K |
| Net Income (quarter) | $1,670K | $831 |
Liquidity & funding
| Metric | Citizens First Bank | Clare Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 90.12% | 60.32% |
| Core Deposit Ratio | 93.14% | 97.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens First Bank | Clare Bank, N.A. |
|---|---|---|
| Headquarters City | VIROQUA | PLATTEVILLE |
| Headquarters State | WI | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 15649 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 8 |
| Employees (FTE) | 58 | 39 |
| Established | Jan. 1, 1912, midnight | Oct. 28, 1905, 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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