Bank Comparison
Citizens National Bank vs Heartland Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Citizens National Bank | Heartland Bank |
|---|---|---|
| CET1 Ratio | 14.84% | 12.78% |
| Tier 1 Capital Ratio | 14.84% | 12.78% |
| Total Capital Ratio | 16.02% | 14.03% |
| Tier 1 Leverage Ratio | 10.78% | 9.95% |
| Equity / Assets | 9.54% | 9.54% |
Profitability
| Metric | Citizens National Bank | Heartland Bank |
|---|---|---|
| Return on Assets (ROA) | 1.93% | 1.24% |
| Return on Equity (ROE) | 20.28% | 12.98% |
| Net Interest Margin (NIM) | 3.38% | 3.28% |
| Yield on Earning Assets | 5.11% | 5.81% |
| Cost of Funds | 1.89% | 2.74% |
Asset quality
| Metric | Citizens National Bank | Heartland Bank |
|---|---|---|
| Texas Ratio | 0.29% | 4.34% |
| Non-Performing Loan Ratio | 0.01% | 0.31% |
| Non-Performing Asset Ratio | 0.01% | 0.25% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.20% | 1.15% |
Balance sheet
| Metric | Citizens National Bank | Heartland Bank |
|---|---|---|
| Total Assets | $1,959M | $1,968M |
| Total Deposits | $1,748M | $1,764M |
| Total Loans | $1,333M | $1,559M |
| Total Equity | $186,973K | $187,771K |
| Net Income (quarter) | $9,520K | $6,111K |
Liquidity & funding
| Metric | Citizens National Bank | Heartland Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.26% | 88.40% |
| Core Deposit Ratio | 89.34% | 94.19% |
| Uninsured Deposit Ratio | 37.28% | 35.84% |
Identity
| Metric | Citizens National Bank | Heartland Bank |
|---|---|---|
| Headquarters City | SEVIERVILLE | Whitehall |
| Headquarters State | TN | OH |
| Asset Tier | Large | Large |
| Charter Class | 16076 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 21 | 23 |
| Employees (FTE) | 200 | 264 |
| Established | Feb. 5, 1973, midnight | Jan. 1, 1911, 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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