Bank Comparison
Citizens State Bank of Loyal vs First Colony Bank of Florida
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens State Bank of Loyal | First Colony Bank of Florida |
|---|---|---|
| CET1 Ratio | 17.39% | 12.89% |
| Tier 1 Capital Ratio | 17.39% | 12.89% |
| Total Capital Ratio | 18.40% | 14.14% |
| Tier 1 Leverage Ratio | 11.42% | 9.86% |
| Equity / Assets | 10.06% | 8.56% |
Profitability
| Metric | Citizens State Bank of Loyal | First Colony Bank of Florida |
|---|---|---|
| Return on Assets (ROA) | 1.14% | 2.00% |
| Return on Equity (ROE) | 11.68% | 21.96% |
| Net Interest Margin (NIM) | 3.29% | 3.90% |
| Yield on Earning Assets | 5.00% | 5.46% |
| Cost of Funds | 1.90% | 1.66% |
Asset quality
| Metric | Citizens State Bank of Loyal | First Colony Bank of Florida |
|---|---|---|
| Texas Ratio | 0.30% | 1.18% |
| Non-Performing Loan Ratio | 0.06% | 0.17% |
| Non-Performing Asset Ratio | 0.03% | 0.11% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.13% | 1.61% |
Balance sheet
| Metric | Citizens State Bank of Loyal | First Colony Bank of Florida |
|---|---|---|
| Total Assets | $307,286K | $307,036K |
| Total Deposits | $242,765K | $279,718K |
| Total Loans | $175,704K | $201,180K |
| Total Equity | $30,910K | $26,279K |
| Net Income (quarter) | $899 | $1,447K |
Liquidity & funding
| Metric | Citizens State Bank of Loyal | First Colony Bank of Florida |
|---|---|---|
| Loan-to-Deposit Ratio | 72.38% | 71.92% |
| Core Deposit Ratio | 97.57% | 95.08% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank of Loyal | First Colony Bank of Florida |
|---|---|---|
| Headquarters City | LOYAL | MAITLAND |
| Headquarters State | WI | FL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 41 | 19 |
| Established | Dec. 15, 1909, midnight | Jan. 28, 2008, 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 First Colony Bank of Florida profile | Browse all bank comparisons