Bank Comparison
Citizens State Bank vs Associated Trust Company, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 9
winning metrics across 14 comparable rows
Capital adequacy
| Metric | Citizens State Bank | Associated Trust Company, N.A. |
|---|---|---|
| CET1 Ratio | — | 176.11% |
| Tier 1 Capital Ratio | — | 176.11% |
| Total Capital Ratio | — | 176.11% |
| Tier 1 Leverage Ratio | 16.45% | 72.95% |
| Equity / Assets | 16.45% | 82.02% |
Profitability
| Metric | Citizens State Bank | Associated Trust Company, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 27.40% |
| Return on Equity (ROE) | 4.10% | 35.21% |
| Net Interest Margin (NIM) | 4.71% | 3.63% |
| Yield on Earning Assets | 6.55% | 3.63% |
| Cost of Funds | 2.13% | — |
Asset quality
| Metric | Citizens State Bank | Associated Trust Company, N.A. |
|---|---|---|
| Texas Ratio | 2.82% | 0.00% |
| Non-Performing Loan Ratio | 0.02% | — |
| Non-Performing Asset Ratio | 0.01% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 0.97% | — |
Balance sheet
| Metric | Citizens State Bank | Associated Trust Company, N.A. |
|---|---|---|
| Total Assets | $81,623K | $81,491K |
| Total Deposits | $67,683K | $0 |
| Total Loans | $64,822K | $0 |
| Total Equity | $13,428K | $66,839K |
| Net Income (quarter) | $137 | $5,952K |
Liquidity & funding
| Metric | Citizens State Bank | Associated Trust Company, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 95.77% | — |
| Core Deposit Ratio | 82.14% | — |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank | Associated Trust Company, N.A. |
|---|---|---|
| Headquarters City | ANTON | MILWAUKEE |
| Headquarters State | TX | WI |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | — |
| Regulator | FDIC | — |
| Domestic Branches | 3 | — |
| Employees (FTE) | 18 | 273 |
| Established | June 7, 1947, 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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