Bank Comparison
Citizens National Bank of Meridian, the vs North Dallas Bank & Trust CO.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 2
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Citizens National Bank of Meridian, the | North Dallas Bank & Trust CO. |
|---|---|---|
| CET1 Ratio | 13.44% | — |
| Tier 1 Capital Ratio | 13.44% | — |
| Total Capital Ratio | 14.47% | — |
| Tier 1 Leverage Ratio | 11.45% | 9.95% |
| Equity / Assets | 10.18% | 9.84% |
Profitability
| Metric | Citizens National Bank of Meridian, the | North Dallas Bank & Trust CO. |
|---|---|---|
| Return on Assets (ROA) | 1.46% | 0.38% |
| Return on Equity (ROE) | 14.28% | 3.91% |
| Net Interest Margin (NIM) | 3.36% | 2.45% |
| Yield on Earning Assets | 5.10% | 4.63% |
| Cost of Funds | 1.83% | 2.32% |
Asset quality
| Metric | Citizens National Bank of Meridian, the | North Dallas Bank & Trust CO. |
|---|---|---|
| Texas Ratio | 7.39% | 15.13% |
| Non-Performing Loan Ratio | 0.96% | 2.36% |
| Non-Performing Asset Ratio | 0.82% | 1.64% |
| Net Charge-Off Ratio | 0.00% | 0.09% |
| ACL / Loans | 1.24% | 1.51% |
Balance sheet
| Metric | Citizens National Bank of Meridian, the | North Dallas Bank & Trust CO. |
|---|---|---|
| Total Assets | $1,879M | $1,880M |
| Total Deposits | $1,630M | $1,615M |
| Total Loans | $1,302M | $1,302M |
| Total Equity | $191,369K | $185,101K |
| Net Income (quarter) | $6,719K | $1,803K |
Liquidity & funding
| Metric | Citizens National Bank of Meridian, the | North Dallas Bank & Trust CO. |
|---|---|---|
| Loan-to-Deposit Ratio | 79.88% | 80.62% |
| Core Deposit Ratio | 89.09% | 88.16% |
| Uninsured Deposit Ratio | 42.37% | 43.77% |
Identity
| Metric | Citizens National Bank of Meridian, the | North Dallas Bank & Trust CO. |
|---|---|---|
| Headquarters City | MERIDIAN | DALLAS |
| Headquarters State | MS | TX |
| Asset Tier | Large | Large |
| Charter Class | 7266 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 29 | 6 |
| Employees (FTE) | 324 | 170 |
| Established | Jan. 1, 1888, midnight | March 20, 1961, 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 of Meridian, the profile | View full North Dallas Bank & Trust CO. profile | Browse all bank comparisons