Bank Comparison
Farmers Trust & Savings Bank vs Citizens First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 2
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Trust & Savings Bank | Citizens First Bank |
|---|---|---|
| CET1 Ratio | — | 9.87% |
| Tier 1 Capital Ratio | — | 9.87% |
| Total Capital Ratio | — | 10.93% |
| Tier 1 Leverage Ratio | 10.07% | 8.32% |
| Equity / Assets | 10.18% | 6.34% |
Profitability
| Metric | Farmers Trust & Savings Bank | Citizens First Bank |
|---|---|---|
| Return on Assets (ROA) | 1.38% | 1.01% |
| Return on Equity (ROE) | 12.65% | 16.23% |
| Net Interest Margin (NIM) | 3.65% | 2.99% |
| Yield on Earning Assets | 5.58% | 5.39% |
| Cost of Funds | 2.06% | 2.57% |
Asset quality
| Metric | Farmers Trust & Savings Bank | Citizens First Bank |
|---|---|---|
| Texas Ratio | 0.76% | 22.53% |
| Non-Performing Loan Ratio | 0.02% | 1.66% |
| Non-Performing Asset Ratio | 0.02% | 1.28% |
| Net Charge-Off Ratio | 0.00% | 0.33% |
| ACL / Loans | 1.59% | 1.16% |
Balance sheet
| Metric | Farmers Trust & Savings Bank | Citizens First Bank |
|---|---|---|
| Total Assets | $360,859K | $359,325K |
| Total Deposits | $318,573K | $288,929K |
| Total Loans | $327,392K | $276,974K |
| Total Equity | $36,728K | $22,765K |
| Net Income (quarter) | $1,236K | $922 |
Liquidity & funding
| Metric | Farmers Trust & Savings Bank | Citizens First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 102.77% | 95.86% |
| Core Deposit Ratio | 86.15% | 75.81% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Trust & Savings Bank | Citizens First Bank |
|---|---|---|
| Headquarters City | BUFFALO CENTER | CLINTON |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 45 | 51 |
| Established | Jan. 1, 1914, midnight | March 14, 2000, 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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