Bank Comparison
Citizens National Bank at Brownwood vs Prinsbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens National Bank at Brownwood | Prinsbank |
|---|---|---|
| CET1 Ratio | — | 16.69% |
| Tier 1 Capital Ratio | — | 16.69% |
| Total Capital Ratio | — | 18.01% |
| Tier 1 Leverage Ratio | 10.28% | 10.76% |
| Equity / Assets | 9.75% | 11.61% |
Profitability
| Metric | Citizens National Bank at Brownwood | Prinsbank |
|---|---|---|
| Return on Assets (ROA) | 1.39% | 1.61% |
| Return on Equity (ROE) | 14.49% | 16.39% |
| Net Interest Margin (NIM) | 3.30% | 4.29% |
| Yield on Earning Assets | 4.42% | 6.03% |
| Cost of Funds | 1.19% | 2.48% |
Asset quality
| Metric | Citizens National Bank at Brownwood | Prinsbank |
|---|---|---|
| Texas Ratio | 5.02% | 5.50% |
| Non-Performing Loan Ratio | 0.86% | 0.00% |
| Non-Performing Asset Ratio | 0.32% | 0.00% |
| Net Charge-Off Ratio | 0.14% | -0.33% |
| ACL / Loans | 1.70% | 7.01% |
Balance sheet
| Metric | Citizens National Bank at Brownwood | Prinsbank |
|---|---|---|
| Total Assets | $295,967K | $296,243K |
| Total Deposits | $265,081K | $255,910K |
| Total Loans | $111,300K | $186,024K |
| Total Equity | $28,853K | $34,389K |
| Net Income (quarter) | $1,049K | $1,210K |
Liquidity & funding
| Metric | Citizens National Bank at Brownwood | Prinsbank |
|---|---|---|
| Loan-to-Deposit Ratio | 41.99% | 72.69% |
| Core Deposit Ratio | 91.14% | 80.81% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank at Brownwood | Prinsbank |
|---|---|---|
| Headquarters City | BROWNWOOD | PRINSBURG |
| Headquarters State | TX | MN |
| Asset Tier | Small | Small |
| Charter Class | 14273 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 43 | 32 |
| Established | Sept. 28, 1934, midnight | Oct. 14, 1916, 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.
View full Citizens National Bank at Brownwood profile | View full Prinsbank profile | Browse all bank comparisons