Bank Comparison
First Citizens Bank of Butte vs Boonville Federal Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 5
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Citizens Bank of Butte | Boonville Federal Savings Bank |
|---|---|---|
| CET1 Ratio | 15.81% | 15.74% |
| Tier 1 Capital Ratio | 15.81% | 15.74% |
| Total Capital Ratio | 17.06% | 16.98% |
| Tier 1 Leverage Ratio | 12.09% | 8.75% |
| Equity / Assets | 12.09% | 8.93% |
Profitability
| Metric | First Citizens Bank of Butte | Boonville Federal Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.65% | 0.39% |
| Return on Equity (ROE) | 5.24% | 4.54% |
| Net Interest Margin (NIM) | 0.01% | 3.40% |
| Yield on Earning Assets | -0.01% | 6.12% |
| Cost of Funds | -0.01% | 2.93% |
Asset quality
| Metric | First Citizens Bank of Butte | Boonville Federal Savings Bank |
|---|---|---|
| Texas Ratio | 0.00% | 8.45% |
| Non-Performing Loan Ratio | 0.00% | 0.67% |
| Non-Performing Asset Ratio | 0.00% | 0.48% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 2.08% | 1.04% |
Balance sheet
| Metric | First Citizens Bank of Butte | Boonville Federal Savings Bank |
|---|---|---|
| Total Assets | $69,856K | $69,483K |
| Total Deposits | $49,172K | $51,325K |
| Total Loans | $34,614K | $49,659K |
| Total Equity | $8,444K | $6,208K |
| Net Income (quarter) | $113 | $70 |
Liquidity & funding
| Metric | First Citizens Bank of Butte | Boonville Federal Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.39% | 96.75% |
| Core Deposit Ratio | 96.64% | 85.66% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Citizens Bank of Butte | Boonville Federal Savings Bank |
|---|---|---|
| Headquarters City | BUTTE | BOONVILLE |
| Headquarters State | MT | IN |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 11 | 14 |
| Established | July 27, 1977, midnight | Jan. 1, 1917, 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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