Bank Comparison
Citizens Savings Bank vs Bridge Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 16
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Citizens Savings Bank | Bridge Community Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.48% | 9.87% |
| Equity / Assets | 9.85% | 14.78% |
Profitability
| Metric | Citizens Savings Bank | Bridge Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.66% | 1.32% |
| Return on Equity (ROE) | 6.86% | 8.83% |
| Net Interest Margin (NIM) | 2.29% | 4.97% |
| Yield on Earning Assets | 4.50% | 6.31% |
| Cost of Funds | 2.60% | 1.39% |
Asset quality
| Metric | Citizens Savings Bank | Bridge Community Bank |
|---|---|---|
| Texas Ratio | 0.75% | 0.20% |
| Non-Performing Loan Ratio | 0.10% | 0.03% |
| Non-Performing Asset Ratio | 0.05% | 0.02% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.86% | 1.02% |
Balance sheet
| Metric | Citizens Savings Bank | Bridge Community Bank |
|---|---|---|
| Total Assets | $147,515K | $148,531K |
| Total Deposits | $127,253K | $124,519K |
| Total Loans | $66,499K | $99,281K |
| Total Equity | $14,528K | $21,948K |
| Net Income (quarter) | $257 | $480 |
Liquidity & funding
| Metric | Citizens Savings Bank | Bridge Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 52.26% | 79.73% |
| Core Deposit Ratio | 81.72% | 91.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Savings Bank | Bridge Community Bank |
|---|---|---|
| Headquarters City | SPILLVILLE | MOUNT VERNON |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 12 | 17 |
| Established | Jan. 1, 1908, midnight | Sept. 8, 1903, 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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