Bank Comparison
Citizens State Bank - La Crosse vs Fnbt Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens State Bank - La Crosse | Fnbt Bank |
|---|---|---|
| CET1 Ratio | — | 28.12% |
| Tier 1 Capital Ratio | — | 28.12% |
| Total Capital Ratio | — | 29.37% |
| Tier 1 Leverage Ratio | 12.63% | 10.78% |
| Equity / Assets | 12.55% | 10.47% |
Profitability
| Metric | Citizens State Bank - La Crosse | Fnbt Bank |
|---|---|---|
| Return on Assets (ROA) | 2.88% | 1.56% |
| Return on Equity (ROE) | 23.01% | 14.55% |
| Net Interest Margin (NIM) | 4.09% | 3.26% |
| Yield on Earning Assets | 6.26% | 4.90% |
| Cost of Funds | 2.43% | 1.77% |
Asset quality
| Metric | Citizens State Bank - La Crosse | Fnbt Bank |
|---|---|---|
| Texas Ratio | 6.99% | 0.02% |
| Non-Performing Loan Ratio | 1.02% | 0.00% |
| Non-Performing Asset Ratio | 0.96% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 1.36% | 1.44% |
Balance sheet
| Metric | Citizens State Bank - La Crosse | Fnbt Bank |
|---|---|---|
| Total Assets | $652,985K | $653,557K |
| Total Deposits | $531,107K | $583,416K |
| Total Loans | $546,390K | $250,533K |
| Total Equity | $81,930K | $68,434K |
| Net Income (quarter) | $4,669K | $2,481K |
Liquidity & funding
| Metric | Citizens State Bank - La Crosse | Fnbt Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 102.88% | 42.94% |
| Core Deposit Ratio | 91.33% | 97.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank - La Crosse | Fnbt Bank |
|---|---|---|
| Headquarters City | LA CROSSE | FORT WALTON BEACH |
| Headquarters State | WI | FL |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 11 |
| Employees (FTE) | 85 | 74 |
| Established | Dec. 9, 1907, midnight | April 9, 1956, 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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