Bank Comparison
Citizens State Bank vs Phoenixville Federal Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens State Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| CET1 Ratio | 11.89% | — |
| Tier 1 Capital Ratio | 11.89% | — |
| Total Capital Ratio | 13.14% | — |
| Tier 1 Leverage Ratio | 10.08% | 12.36% |
| Equity / Assets | 8.27% | 11.57% |
Profitability
| Metric | Citizens State Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 1.18% | 0.71% |
| Return on Equity (ROE) | 14.17% | 6.12% |
| Net Interest Margin (NIM) | 3.43% | 3.13% |
| Yield on Earning Assets | 5.66% | 4.54% |
| Cost of Funds | 2.39% | 1.54% |
Asset quality
| Metric | Citizens State Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Texas Ratio | 2.83% | 7.56% |
| Non-Performing Loan Ratio | 0.09% | 1.25% |
| Non-Performing Asset Ratio | 0.21% | 0.94% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 1.46% | 1.13% |
Balance sheet
| Metric | Citizens State Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Total Assets | $653,531K | $654,399K |
| Total Deposits | $597,695K | $559,081K |
| Total Loans | $501,384K | $493,292K |
| Total Equity | $54,044K | $75,723K |
| Net Income (quarter) | $1,932K | $1,149K |
Liquidity & funding
| Metric | Citizens State Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 83.89% | 88.23% |
| Core Deposit Ratio | 84.04% | 94.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank | Phoenixville Federal Bank and Trust |
|---|---|---|
| Headquarters City | WISNER | PHOENIXVILLE |
| Headquarters State | NE | PA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 17 | 7 |
| Employees (FTE) | 79 | 81 |
| Established | Oct. 19, 1888, midnight | Jan. 1, 1911, 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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