Bank Comparison
Citizens National Bank vs The First National Bank of Bellville
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 2
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Citizens National Bank | The First National Bank of Bellville |
|---|---|---|
| CET1 Ratio | 16.51% | — |
| Tier 1 Capital Ratio | 16.51% | — |
| Total Capital Ratio | 17.76% | — |
| Tier 1 Leverage Ratio | 12.67% | 12.14% |
| Equity / Assets | 12.45% | -5.26% |
Profitability
| Metric | Citizens National Bank | The First National Bank of Bellville |
|---|---|---|
| Return on Assets (ROA) | 1.58% | 0.62% |
| Return on Equity (ROE) | 12.80% | -15.53% |
| Net Interest Margin (NIM) | 3.78% | 1.62% |
| Yield on Earning Assets | 5.36% | 4.01% |
| Cost of Funds | 1.77% | 2.65% |
Asset quality
| Metric | Citizens National Bank | The First National Bank of Bellville |
|---|---|---|
| Texas Ratio | 0.00% | — |
| Non-Performing Loan Ratio | 0.00% | 0.02% |
| Non-Performing Asset Ratio | 0.00% | 0.01% |
| Net Charge-Off Ratio | 0.00% | 0.14% |
| ACL / Loans | 1.55% | 1.51% |
Balance sheet
| Metric | Citizens National Bank | The First National Bank of Bellville |
|---|---|---|
| Total Assets | $668,018K | $669,287K |
| Total Deposits | $582,102K | $697,014K |
| Total Loans | $429,095K | $230,754K |
| Total Equity | $83,149K | $-35,179 |
| Net Income (quarter) | $2,634K | $1,276K |
Liquidity & funding
| Metric | Citizens National Bank | The First National Bank of Bellville |
|---|---|---|
| Loan-to-Deposit Ratio | 73.71% | 33.11% |
| Core Deposit Ratio | 92.34% | 87.46% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank | The First National Bank of Bellville |
|---|---|---|
| Headquarters City | CAMERON | Bellville |
| Headquarters State | TX | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 5484 | 4241 |
| Regulator | OCC | OCC |
| Domestic Branches | 12 | 3 |
| Employees (FTE) | 84 | 59 |
| Established | July 1, 1900, midnight | July 1, 1890, 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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