Bank Comparison
Citizens Savings Bank vs Flatirons Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens Savings Bank | Flatirons Bank |
|---|---|---|
| CET1 Ratio | 30.11% | 13.10% |
| Tier 1 Capital Ratio | 30.11% | 13.10% |
| Total Capital Ratio | 30.70% | 14.35% |
| Tier 1 Leverage Ratio | 15.09% | 9.04% |
| Equity / Assets | 14.90% | 7.88% |
Profitability
| Metric | Citizens Savings Bank | Flatirons Bank |
|---|---|---|
| Return on Assets (ROA) | 0.16% | 1.52% |
| Return on Equity (ROE) | 1.09% | 19.38% |
| Net Interest Margin (NIM) | 2.57% | 3.80% |
| Yield on Earning Assets | 4.02% | 5.50% |
| Cost of Funds | 1.64% | 1.80% |
Asset quality
| Metric | Citizens Savings Bank | Flatirons Bank |
|---|---|---|
| Texas Ratio | 2.08% | 4.04% |
| Non-Performing Loan Ratio | 0.39% | 0.49% |
| Non-Performing Asset Ratio | 0.32% | 0.35% |
| Net Charge-Off Ratio | 0.01% | -0.01% |
| ACL / Loans | 0.35% | 1.19% |
Balance sheet
| Metric | Citizens Savings Bank | Flatirons Bank |
|---|---|---|
| Total Assets | $358,923K | $358,938K |
| Total Deposits | $304,198K | $325,902K |
| Total Loans | $291,636K | $257,187K |
| Total Equity | $53,469K | $28,279K |
| Net Income (quarter) | $146 | $1,351K |
Liquidity & funding
| Metric | Citizens Savings Bank | Flatirons Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.87% | 78.92% |
| Core Deposit Ratio | 93.00% | 94.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Savings Bank | Flatirons Bank |
|---|---|---|
| Headquarters City | CLARKS SUMMIT | BOULDER |
| Headquarters State | PA | CO |
| Asset Tier | Small | Small |
| Charter Class | 706503 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 57 | 43 |
| Established | Jan. 1, 1902, midnight | Dec. 22, 2001, 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 Savings Bank profile | View full Flatirons Bank profile | Browse all bank comparisons