Bank Comparison
Citizens State Bank of Arlington vs State Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens State Bank of Arlington | State Bank & Trust Company |
|---|---|---|
| CET1 Ratio | — | 15.76% |
| Tier 1 Capital Ratio | — | 15.76% |
| Total Capital Ratio | — | 17.02% |
| Tier 1 Leverage Ratio | 11.63% | 11.00% |
| Equity / Assets | 10.78% | 8.61% |
Profitability
| Metric | Citizens State Bank of Arlington | State Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 1.37% |
| Return on Equity (ROE) | 8.77% | 15.92% |
| Net Interest Margin (NIM) | 2.81% | 3.92% |
| Yield on Earning Assets | 4.63% | 5.44% |
| Cost of Funds | 2.04% | 1.64% |
Asset quality
| Metric | Citizens State Bank of Arlington | State Bank & Trust Company |
|---|---|---|
| Texas Ratio | 0.00% | 3.65% |
| Non-Performing Loan Ratio | 0.00% | 0.53% |
| Non-Performing Asset Ratio | 0.00% | 0.34% |
| Net Charge-Off Ratio | 0.00% | -0.04% |
| ACL / Loans | 1.60% | 1.45% |
Balance sheet
| Metric | Citizens State Bank of Arlington | State Bank & Trust Company |
|---|---|---|
| Total Assets | $155,097K | $155,295K |
| Total Deposits | $137,144K | $135,893K |
| Total Loans | $76,003K | $101,130K |
| Total Equity | $16,712K | $13,370K |
| Net Income (quarter) | $369 | $525 |
Liquidity & funding
| Metric | Citizens State Bank of Arlington | State Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 55.42% | 74.42% |
| Core Deposit Ratio | 92.19% | 86.96% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank of Arlington | State Bank & Trust Company |
|---|---|---|
| Headquarters City | ARLINGTON | GOLDEN MEADOW |
| Headquarters State | SD | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 16 | 32 |
| Established | Aug. 28, 1901, midnight | Jan. 16, 1953, 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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