Bank Comparison
Citizens State Bank vs Farmers Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens State Bank | Farmers Savings Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.77% | 13.39% |
| Equity / Assets | 15.93% | 10.58% |
Profitability
| Metric | Citizens State Bank | Farmers Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.11% | 0.58% |
| Return on Equity (ROE) | 7.04% | 5.59% |
| Net Interest Margin (NIM) | 3.58% | 3.19% |
| Yield on Earning Assets | 5.35% | 4.98% |
| Cost of Funds | 2.11% | 1.95% |
Asset quality
| Metric | Citizens State Bank | Farmers Savings Bank |
|---|---|---|
| Texas Ratio | 1.23% | 3.86% |
| Non-Performing Loan Ratio | 0.01% | 0.68% |
| Non-Performing Asset Ratio | 0.00% | 0.44% |
| Net Charge-Off Ratio | 0.10% | 0.11% |
| ACL / Loans | 0.78% | 1.34% |
Balance sheet
| Metric | Citizens State Bank | Farmers Savings Bank |
|---|---|---|
| Total Assets | $136,763K | $133,585K |
| Total Deposits | $111,388K | $112,891K |
| Total Loans | $72,847K | $86,551K |
| Total Equity | $21,785K | $14,138K |
| Net Income (quarter) | $385 | $199 |
Liquidity & funding
| Metric | Citizens State Bank | Farmers Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.40% | 76.67% |
| Core Deposit Ratio | 86.66% | 91.32% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank | Farmers Savings Bank |
|---|---|---|
| Headquarters City | WYOMING | WEVER |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 19 | 24 |
| Established | Jan. 1, 1913, midnight | Oct. 9, 1908, 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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