Bank Comparison
Citizens State Bank of Waverly, Inc. vs First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 20
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Citizens State Bank of Waverly, Inc. | First Bank |
|---|---|---|
| CET1 Ratio | 17.13% | 25.41% |
| Tier 1 Capital Ratio | 17.13% | 25.41% |
| Total Capital Ratio | 18.29% | 26.68% |
| Tier 1 Leverage Ratio | 9.49% | 14.20% |
| Equity / Assets | 8.75% | 13.95% |
Profitability
| Metric | Citizens State Bank of Waverly, Inc. | First Bank |
|---|---|---|
| Return on Assets (ROA) | 0.82% | 2.84% |
| Return on Equity (ROE) | 9.96% | 19.48% |
| Net Interest Margin (NIM) | 3.31% | 5.24% |
| Yield on Earning Assets | 4.64% | 6.59% |
| Cost of Funds | 1.39% | 1.50% |
Asset quality
| Metric | Citizens State Bank of Waverly, Inc. | First Bank |
|---|---|---|
| Texas Ratio | 21.26% | 0.39% |
| Non-Performing Loan Ratio | 2.93% | 0.08% |
| Non-Performing Asset Ratio | 1.50% | 0.04% |
| Net Charge-Off Ratio | 1.06% | 0.00% |
| ACL / Loans | 1.17% | 2.31% |
Balance sheet
| Metric | Citizens State Bank of Waverly, Inc. | First Bank |
|---|---|---|
| Total Assets | $117,590K | $117,309K |
| Total Deposits | $106,879K | $99,927K |
| Total Loans | $60,107K | $66,706K |
| Total Equity | $10,286K | $16,360K |
| Net Income (quarter) | $249 | $808 |
Liquidity & funding
| Metric | Citizens State Bank of Waverly, Inc. | First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 56.24% | 66.75% |
| Core Deposit Ratio | 93.27% | 94.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank of Waverly, Inc. | First Bank |
|---|---|---|
| Headquarters City | Waverly | ERICK |
| Headquarters State | MN | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 16 | 23 |
| Established | Jan. 1, 1907, midnight | Dec. 12, 1902, 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 Waverly, Inc. profile | View full First Bank profile | Browse all bank comparisons