Bank Comparison
Citizens National Bank of Park Rapids, the vs American Continental Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Citizens National Bank of Park Rapids, the | American Continental Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.28% | 16.07% |
| Equity / Assets | 12.02% | 16.13% |
Profitability
| Metric | Citizens National Bank of Park Rapids, the | American Continental Bank |
|---|---|---|
| Return on Assets (ROA) | 2.09% | 1.57% |
| Return on Equity (ROE) | 17.38% | 9.74% |
| Net Interest Margin (NIM) | 4.31% | 4.69% |
| Yield on Earning Assets | 6.07% | 7.48% |
| Cost of Funds | 1.94% | 3.27% |
Asset quality
| Metric | Citizens National Bank of Park Rapids, the | American Continental Bank |
|---|---|---|
| Texas Ratio | 4.15% | 1.00% |
| Non-Performing Loan Ratio | 0.53% | 0.22% |
| Non-Performing Asset Ratio | 0.44% | 0.17% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.67% | 1.60% |
Balance sheet
| Metric | Citizens National Bank of Park Rapids, the | American Continental Bank |
|---|---|---|
| Total Assets | $380,050K | $379,100K |
| Total Deposits | $330,981K | $311,254K |
| Total Loans | $300,194K | $293,367K |
| Total Equity | $45,683K | $61,164K |
| Net Income (quarter) | $1,974K | $1,471K |
Liquidity & funding
| Metric | Citizens National Bank of Park Rapids, the | American Continental Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.70% | 94.25% |
| Core Deposit Ratio | 86.46% | 63.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank of Park Rapids, the | American Continental Bank |
|---|---|---|
| Headquarters City | PARK RAPIDS | CITY OF INDUSTRY |
| Headquarters State | MN | CA |
| Asset Tier | Small | Small |
| Charter Class | 13692 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 7 |
| Employees (FTE) | 50 | 50 |
| Established | Jan. 1, 1933, midnight | Oct. 6, 2003, 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 Park Rapids, the profile | View full American Continental Bank profile | Browse all bank comparisons