Bank Comparison
Community State Bank of Orbisonia vs Citizens Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Community State Bank of Orbisonia | Citizens Bank and Trust Company |
|---|---|---|
| CET1 Ratio | — | 14.10% |
| Tier 1 Capital Ratio | — | 14.10% |
| Total Capital Ratio | — | 15.09% |
| Tier 1 Leverage Ratio | 10.07% | 11.61% |
| Equity / Assets | 9.45% | 11.52% |
Profitability
| Metric | Community State Bank of Orbisonia | Citizens Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.55% | 1.05% |
| Return on Equity (ROE) | 5.76% | 9.22% |
| Net Interest Margin (NIM) | 3.95% | 4.29% |
| Yield on Earning Assets | 5.07% | 5.88% |
| Cost of Funds | 1.19% | 1.67% |
Asset quality
| Metric | Community State Bank of Orbisonia | Citizens Bank and Trust Company |
|---|---|---|
| Texas Ratio | 8.71% | 5.47% |
| Non-Performing Loan Ratio | 1.05% | 0.71% |
| Non-Performing Asset Ratio | 0.79% | 0.67% |
| Net Charge-Off Ratio | 0.07% | 0.14% |
| ACL / Loans | 0.80% | 1.02% |
Balance sheet
| Metric | Community State Bank of Orbisonia | Citizens Bank and Trust Company |
|---|---|---|
| Total Assets | $472,063K | $471,372K |
| Total Deposits | $423,227K | $410,214K |
| Total Loans | $353,715K | $349,875K |
| Total Equity | $44,630K | $54,299K |
| Net Income (quarter) | $639 | $1,240K |
Liquidity & funding
| Metric | Community State Bank of Orbisonia | Citizens Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 83.58% | 85.29% |
| Core Deposit Ratio | 97.09% | 94.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Community State Bank of Orbisonia | Citizens Bank and Trust Company |
|---|---|---|
| Headquarters City | ORBISONIA | PLAQUEMINE |
| Headquarters State | PA | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 7 |
| Employees (FTE) | 103 | 79 |
| Established | Jan. 11, 1951, midnight | July 5, 1916, 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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