Bank Comparison
Citizens National Bank of Somerset, the vs First National Bank of Sonora, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens National Bank of Somerset, the | First National Bank of Sonora, the |
|---|---|---|
| CET1 Ratio | 14.84% | 10.54% |
| Tier 1 Capital Ratio | 14.84% | 10.54% |
| Total Capital Ratio | 16.09% | 11.39% |
| Tier 1 Leverage Ratio | 8.87% | 8.25% |
| Equity / Assets | 5.71% | 7.50% |
Profitability
| Metric | Citizens National Bank of Somerset, the | First National Bank of Sonora, the |
|---|---|---|
| Return on Assets (ROA) | 1.59% | 0.65% |
| Return on Equity (ROE) | 28.56% | 8.51% |
| Net Interest Margin (NIM) | 3.21% | 4.88% |
| Yield on Earning Assets | 4.78% | 6.76% |
| Cost of Funds | 1.70% | 1.80% |
Asset quality
| Metric | Citizens National Bank of Somerset, the | First National Bank of Sonora, the |
|---|---|---|
| Texas Ratio | 1.01% | 40.68% |
| Non-Performing Loan Ratio | 0.13% | 2.86% |
| Non-Performing Asset Ratio | 0.07% | 3.01% |
| Net Charge-Off Ratio | 0.00% | 0.07% |
| ACL / Loans | 1.52% | 0.86% |
Balance sheet
| Metric | Citizens National Bank of Somerset, the | First National Bank of Sonora, the |
|---|---|---|
| Total Assets | $706,473K | $704,745K |
| Total Deposits | $565,107K | $623,665K |
| Total Loans | $368,722K | $512,469K |
| Total Equity | $40,314K | $52,837K |
| Net Income (quarter) | $2,903K | $1,124K |
Liquidity & funding
| Metric | Citizens National Bank of Somerset, the | First National Bank of Sonora, the |
|---|---|---|
| Loan-to-Deposit Ratio | 65.25% | 82.17% |
| Core Deposit Ratio | 82.52% | 79.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens National Bank of Somerset, the | First National Bank of Sonora, the |
|---|---|---|
| Headquarters City | SOMERSET | SONORA |
| Headquarters State | KY | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 11544 | 5466 |
| Regulator | OCC | OCC |
| Domestic Branches | 12 | 9 |
| Employees (FTE) | 122 | 115 |
| Established | Jan. 1, 1919, 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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