Bank Comparison
Citizens State Bank vs First National Bank of Waterloo
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Citizens State Bank | First National Bank of Waterloo |
|---|---|---|
| CET1 Ratio | — | 12.56% |
| Tier 1 Capital Ratio | — | 12.56% |
| Total Capital Ratio | — | 13.81% |
| Tier 1 Leverage Ratio | 13.58% | 9.03% |
| Equity / Assets | -6.36% | 9.36% |
Profitability
| Metric | Citizens State Bank | First National Bank of Waterloo |
|---|---|---|
| Return on Assets (ROA) | 0.17% | 0.88% |
| Return on Equity (ROE) | -3.75% | 9.44% |
| Net Interest Margin (NIM) | 1.54% | 3.27% |
| Yield on Earning Assets | 3.42% | 4.71% |
| Cost of Funds | 2.10% | 1.51% |
Asset quality
| Metric | Citizens State Bank | First National Bank of Waterloo |
|---|---|---|
| Texas Ratio | — | 11.50% |
| Non-Performing Loan Ratio | 0.14% | 1.73% |
| Non-Performing Asset Ratio | 0.04% | 1.00% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 1.57% | 1.56% |
Balance sheet
| Metric | Citizens State Bank | First National Bank of Waterloo |
|---|---|---|
| Total Assets | $950,336K | $948,812K |
| Total Deposits | $1,002M | $788,732K |
| Total Loans | $242,875K | $538,023K |
| Total Equity | $-60,395 | $88,789K |
| Net Income (quarter) | $517 | $2,089K |
Liquidity & funding
| Metric | Citizens State Bank | First National Bank of Waterloo |
|---|---|---|
| Loan-to-Deposit Ratio | 24.23% | 68.21% |
| Core Deposit Ratio | 86.22% | 93.64% |
| Uninsured Deposit Ratio | 25.01% | — |
Identity
| Metric | Citizens State Bank | First National Bank of Waterloo |
|---|---|---|
| Headquarters City | Buffalo | WATERLOO |
| Headquarters State | TX | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 10180 |
| Regulator | FDIC | OCC |
| Domestic Branches | 10 | 16 |
| Employees (FTE) | 105 | 161 |
| Established | Jan. 1, 1925, midnight | June 12, 1912, 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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