Bank Comparison
Community Savings Bank vs Citizens Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Community Savings Bank | Citizens Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.56% | 11.71% |
| Equity / Assets | 14.29% | 10.54% |
Profitability
| Metric | Community Savings Bank | Citizens Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.32% | 1.43% |
| Return on Equity (ROE) | 2.20% | 14.08% |
| Net Interest Margin (NIM) | 3.52% | 3.63% |
| Yield on Earning Assets | 5.82% | 4.71% |
| Cost of Funds | 2.58% | 1.22% |
Asset quality
| Metric | Community Savings Bank | Citizens Bank & Trust |
|---|---|---|
| Texas Ratio | 0.58% | 0.46% |
| Non-Performing Loan Ratio | 0.10% | 0.11% |
| Non-Performing Asset Ratio | 0.09% | 0.05% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 0.47% | 1.09% |
Balance sheet
| Metric | Community Savings Bank | Citizens Bank & Trust |
|---|---|---|
| Total Assets | $111,074K | $111,338K |
| Total Deposits | $83,503K | $98,312K |
| Total Loans | $92,013K | $52,003K |
| Total Equity | $15,870K | $11,736K |
| Net Income (quarter) | $87 | $416 |
Liquidity & funding
| Metric | Community Savings Bank | Citizens Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 110.19% | 52.90% |
| Core Deposit Ratio | 91.26% | 83.34% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community Savings Bank | Citizens Bank & Trust |
|---|---|---|
| Headquarters City | BETHEL | ROCK PORT |
| Headquarters State | OH | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 17 | 18 |
| Established | April 6, 1889, midnight | March 28, 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 Community Savings Bank profile | View full Citizens Bank & Trust profile | Browse all bank comparisons