Bank Comparison
Citizens State Bank vs Highlands Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens State Bank | Highlands Community Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.92% | 12.35% |
| Equity / Assets | 11.05% | 10.70% |
Profitability
| Metric | Citizens State Bank | Highlands Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.93% | 0.44% |
| Return on Equity (ROE) | 17.86% | 4.18% |
| Net Interest Margin (NIM) | 4.18% | 3.21% |
| Yield on Earning Assets | 5.80% | 4.57% |
| Cost of Funds | 1.79% | 1.48% |
Asset quality
| Metric | Citizens State Bank | Highlands Community Bank |
|---|---|---|
| Texas Ratio | 5.15% | 8.62% |
| Non-Performing Loan Ratio | 0.03% | 2.20% |
| Non-Performing Asset Ratio | 0.02% | 0.98% |
| Net Charge-Off Ratio | -0.17% | -0.04% |
| ACL / Loans | 1.31% | 1.48% |
Balance sheet
| Metric | Citizens State Bank | Highlands Community Bank |
|---|---|---|
| Total Assets | $189,893K | $189,654K |
| Total Deposits | $168,158K | $168,152K |
| Total Loans | $121,604K | $84,270K |
| Total Equity | $20,987K | $20,287K |
| Net Income (quarter) | $916 | $213 |
Liquidity & funding
| Metric | Citizens State Bank | Highlands Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 72.32% | 50.12% |
| Core Deposit Ratio | 85.03% | 81.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank | Highlands Community Bank |
|---|---|---|
| Headquarters City | CORRIGAN | COVINGTON |
| Headquarters State | TX | VA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 26 | 33 |
| Established | Jan. 1, 1919, midnight | Sept. 16, 2002, 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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