Bank Comparison
Citizens State Bank of Loyal vs Bay Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens State Bank of Loyal | Bay Bank |
|---|---|---|
| CET1 Ratio | 17.39% | 22.53% |
| Tier 1 Capital Ratio | 17.39% | 22.53% |
| Total Capital Ratio | 18.40% | 23.79% |
| Tier 1 Leverage Ratio | 11.42% | 11.10% |
| Equity / Assets | 10.06% | 9.83% |
Profitability
| Metric | Citizens State Bank of Loyal | Bay Bank |
|---|---|---|
| Return on Assets (ROA) | 1.14% | 1.12% |
| Return on Equity (ROE) | 11.68% | 11.25% |
| Net Interest Margin (NIM) | 3.29% | 4.08% |
| Yield on Earning Assets | 5.00% | 4.87% |
| Cost of Funds | 1.90% | 0.85% |
Asset quality
| Metric | Citizens State Bank of Loyal | Bay Bank |
|---|---|---|
| Texas Ratio | 0.30% | 13.34% |
| Non-Performing Loan Ratio | 0.06% | 3.38% |
| Non-Performing Asset Ratio | 0.03% | 1.42% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 1.13% | 1.89% |
Balance sheet
| Metric | Citizens State Bank of Loyal | Bay Bank |
|---|---|---|
| Total Assets | $307,286K | $312,693K |
| Total Deposits | $242,765K | $259,308K |
| Total Loans | $175,704K | $131,079K |
| Total Equity | $30,910K | $30,731K |
| Net Income (quarter) | $899 | $864 |
Liquidity & funding
| Metric | Citizens State Bank of Loyal | Bay Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 72.38% | 50.55% |
| Core Deposit Ratio | 97.57% | 94.95% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank of Loyal | Bay Bank |
|---|---|---|
| Headquarters City | LOYAL | GREEN BAY |
| Headquarters State | WI | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 41 | 40 |
| Established | Dec. 15, 1909, midnight | Aug. 21, 1995, 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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