Bank Comparison
Citizens State Bank of Loyal vs Carthage Savings and Loan, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 12
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens State Bank of Loyal | Carthage Savings and Loan, N.A. |
|---|---|---|
| CET1 Ratio | 17.39% | 25.01% |
| Tier 1 Capital Ratio | 17.39% | 25.01% |
| Total Capital Ratio | 18.40% | 25.99% |
| Tier 1 Leverage Ratio | 11.42% | 12.75% |
| Equity / Assets | 10.06% | 15.02% |
Profitability
| Metric | Citizens State Bank of Loyal | Carthage Savings and Loan, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.14% | 0.84% |
| Return on Equity (ROE) | 11.68% | 5.62% |
| Net Interest Margin (NIM) | 3.29% | 3.36% |
| Yield on Earning Assets | 5.00% | 5.09% |
| Cost of Funds | 1.90% | 1.84% |
Asset quality
| Metric | Citizens State Bank of Loyal | Carthage Savings and Loan, N.A. |
|---|---|---|
| Texas Ratio | 0.30% | 0.87% |
| Non-Performing Loan Ratio | 0.06% | 0.18% |
| Non-Performing Asset Ratio | 0.03% | 0.13% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.13% | 0.63% |
Balance sheet
| Metric | Citizens State Bank of Loyal | Carthage Savings and Loan, N.A. |
|---|---|---|
| Total Assets | $307,286K | $308,056K |
| Total Deposits | $242,765K | $254,577K |
| Total Loans | $175,704K | $235,704K |
| Total Equity | $30,910K | $46,275K |
| Net Income (quarter) | $899 | $645 |
Liquidity & funding
| Metric | Citizens State Bank of Loyal | Carthage Savings and Loan, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 72.38% | 92.59% |
| Core Deposit Ratio | 97.57% | 83.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank of Loyal | Carthage Savings and Loan, N.A. |
|---|---|---|
| Headquarters City | LOYAL | CARTHAGE |
| Headquarters State | WI | NY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 25272 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 4 |
| Employees (FTE) | 41 | 39 |
| Established | Dec. 15, 1909, midnight | Jan. 1, 1888, 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.
View full Citizens State Bank of Loyal profile | View full Carthage Savings and Loan, N.A. profile | Browse all bank comparisons