Bank Comparison
Citizens State Bank vs First National Bank of Ava, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 16
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens State Bank | First National Bank of Ava, the |
|---|---|---|
| CET1 Ratio | 21.87% | 19.69% |
| Tier 1 Capital Ratio | 21.87% | 19.69% |
| Total Capital Ratio | 22.86% | 20.94% |
| Tier 1 Leverage Ratio | 11.45% | 12.53% |
| Equity / Assets | 9.39% | 10.91% |
Profitability
| Metric | Citizens State Bank | First National Bank of Ava, the |
|---|---|---|
| Return on Assets (ROA) | -0.24% | 1.01% |
| Return on Equity (ROE) | -2.57% | 9.49% |
| Net Interest Margin (NIM) | 3.39% | 4.05% |
| Yield on Earning Assets | 5.49% | 4.94% |
| Cost of Funds | 2.19% | 1.02% |
Asset quality
| Metric | Citizens State Bank | First National Bank of Ava, the |
|---|---|---|
| Texas Ratio | 4.56% | 1.30% |
| Non-Performing Loan Ratio | 0.96% | 0.29% |
| Non-Performing Asset Ratio | 0.45% | 0.16% |
| Net Charge-Off Ratio | 0.13% | 0.00% |
| ACL / Loans | 1.06% | 1.82% |
Balance sheet
| Metric | Citizens State Bank | First National Bank of Ava, the |
|---|---|---|
| Total Assets | $78,762K | $78,665K |
| Total Deposits | $68,393K | $69,875K |
| Total Loans | $37,041K | $42,529K |
| Total Equity | $7,392K | $8,586K |
| Net Income (quarter) | $-46 | $202 |
Liquidity & funding
| Metric | Citizens State Bank | First National Bank of Ava, the |
|---|---|---|
| Loan-to-Deposit Ratio | 54.16% | 60.86% |
| Core Deposit Ratio | 74.00% | 92.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank | First National Bank of Ava, the |
|---|---|---|
| Headquarters City | Roma | AVA |
| Headquarters State | TX | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 10911 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 20 | 15 |
| Established | May 15, 1978, midnight | Jan. 1, 1917, 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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