Bank Comparison
Citizens State Bank, the vs Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens State Bank, the | Heritage Bank |
|---|---|---|
| CET1 Ratio | — | 11.19% |
| Tier 1 Capital Ratio | — | 11.19% |
| Total Capital Ratio | — | 12.37% |
| Tier 1 Leverage Ratio | 11.73% | 9.93% |
| Equity / Assets | 11.40% | 10.47% |
Profitability
| Metric | Citizens State Bank, the | Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 2.02% | 1.90% |
| Return on Equity (ROE) | 18.38% | 16.75% |
| Net Interest Margin (NIM) | 4.67% | 4.54% |
| Yield on Earning Assets | 5.73% | 6.66% |
| Cost of Funds | 1.14% | 2.14% |
Asset quality
| Metric | Citizens State Bank, the | Heritage Bank |
|---|---|---|
| Texas Ratio | 2.50% | 3.42% |
| Non-Performing Loan Ratio | 0.13% | 0.01% |
| Non-Performing Asset Ratio | 0.08% | 0.01% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.17% | 1.33% |
Balance sheet
| Metric | Citizens State Bank, the | Heritage Bank |
|---|---|---|
| Total Assets | $336,820K | $335,781K |
| Total Deposits | $295,755K | $244,912K |
| Total Loans | $211,308K | $235,230K |
| Total Equity | $38,397K | $35,154K |
| Net Income (quarter) | $1,730K | $1,451K |
Liquidity & funding
| Metric | Citizens State Bank, the | Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 71.45% | 96.05% |
| Core Deposit Ratio | 95.28% | 94.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank, the | Heritage Bank |
|---|---|---|
| Headquarters City | GRIDLEY | TOPEKA |
| Headquarters State | KS | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 10 | 3 |
| Employees (FTE) | 53 | 47 |
| Established | Jan. 1, 1911, midnight | April 14, 2003, 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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