Bank Comparison
Citizens National Bank vs Bruning Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 4
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Citizens National Bank | Bruning Bank |
|---|---|---|
| CET1 Ratio | 16.51% | — |
| Tier 1 Capital Ratio | 16.51% | — |
| Total Capital Ratio | 17.76% | — |
| Tier 1 Leverage Ratio | 12.67% | 9.64% |
| Equity / Assets | 12.45% | 8.60% |
Profitability
| Metric | Citizens National Bank | Bruning Bank |
|---|---|---|
| Return on Assets (ROA) | 1.58% | 1.21% |
| Return on Equity (ROE) | 12.80% | 13.92% |
| Net Interest Margin (NIM) | 3.78% | 3.73% |
| Yield on Earning Assets | 5.36% | 5.66% |
| Cost of Funds | 1.77% | 2.01% |
Asset quality
| Metric | Citizens National Bank | Bruning Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.55% | 1.51% |
Balance sheet
| Metric | Citizens National Bank | Bruning Bank |
|---|---|---|
| Total Assets | $668,018K | $666,840K |
| Total Deposits | $582,102K | $573,949K |
| Total Loans | $429,095K | $485,760K |
| Total Equity | $83,149K | $57,346K |
| Net Income (quarter) | $2,634K | $1,997K |
Liquidity & funding
| Metric | Citizens National Bank | Bruning Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 73.71% | 84.63% |
| Core Deposit Ratio | 92.34% | 90.02% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank | Bruning Bank |
|---|---|---|
| Headquarters City | CAMERON | BRUNING |
| Headquarters State | TX | NE |
| Asset Tier | Medium | Medium |
| Charter Class | 5484 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 12 | 7 |
| Employees (FTE) | 84 | 91 |
| Established | July 1, 1900, midnight | Sept. 1, 1891, 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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