Bank Comparison
Citizens National Bank vs Investment Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens National Bank | Investment Savings Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.79% | 21.74% |
| Equity / Assets | 11.17% | 20.84% |
Profitability
| Metric | Citizens National Bank | Investment Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.69% | 0.36% |
| Return on Equity (ROE) | 6.10% | 1.74% |
| Net Interest Margin (NIM) | 4.05% | 2.76% |
| Yield on Earning Assets | 4.47% | 4.11% |
| Cost of Funds | 0.46% | 1.56% |
Asset quality
| Metric | Citizens National Bank | Investment Savings Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.53% |
| Non-Performing Loan Ratio | 0.00% | 0.26% |
| Non-Performing Asset Ratio | 0.00% | 0.11% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 1.62% | 0.84% |
Balance sheet
| Metric | Citizens National Bank | Investment Savings Bank |
|---|---|---|
| Total Assets | $105,940K | $105,992K |
| Total Deposits | $92,568K | $76,435K |
| Total Loans | $36,754K | $45,493K |
| Total Equity | $11,831K | $22,088K |
| Net Income (quarter) | $180 | $96 |
Liquidity & funding
| Metric | Citizens National Bank | Investment Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 39.70% | 59.52% |
| Core Deposit Ratio | 98.67% | 90.17% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank | Investment Savings Bank |
|---|---|---|
| Headquarters City | CROCKETT | ALTOONA |
| Headquarters State | TX | PA |
| Asset Tier | Small | Small |
| Charter Class | 17456 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 14 | 13 |
| Established | Sept. 7, 1982, midnight | Jan. 1, 1939, 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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