Bank Comparison
First Citizens National Bank vs Machias Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 13
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Citizens National Bank | Machias Savings Bank |
|---|---|---|
| CET1 Ratio | — | 14.05% |
| Tier 1 Capital Ratio | — | 14.05% |
| Total Capital Ratio | — | 15.02% |
| Tier 1 Leverage Ratio | 9.71% | 11.81% |
| Equity / Assets | 8.72% | 11.28% |
Profitability
| Metric | First Citizens National Bank | Machias Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.86% | 0.87% |
| Return on Equity (ROE) | 10.25% | 7.90% |
| Net Interest Margin (NIM) | 2.97% | 3.53% |
| Yield on Earning Assets | 5.36% | 5.54% |
| Cost of Funds | 2.54% | 2.22% |
Asset quality
| Metric | First Citizens National Bank | Machias Savings Bank |
|---|---|---|
| Texas Ratio | 13.65% | 10.48% |
| Non-Performing Loan Ratio | 0.56% | 1.51% |
| Non-Performing Asset Ratio | 1.14% | 1.26% |
| Net Charge-Off Ratio | 0.03% | 0.05% |
| ACL / Loans | 1.18% | 0.95% |
Balance sheet
| Metric | First Citizens National Bank | Machias Savings Bank |
|---|---|---|
| Total Assets | $2,651M | $2,648M |
| Total Deposits | $2,263M | $2,258M |
| Total Loans | $1,594M | $2,179M |
| Total Equity | $231,220K | $298,634K |
| Net Income (quarter) | $5,794K | $5,841K |
Liquidity & funding
| Metric | First Citizens National Bank | Machias Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.45% | 96.51% |
| Core Deposit Ratio | 83.59% | 96.97% |
| Uninsured Deposit Ratio | 34.94% | 14.90% |
Identity
| Metric | First Citizens National Bank | Machias Savings Bank |
|---|---|---|
| Headquarters City | Dyersburg | MACHIAS |
| Headquarters State | TN | ME |
| Asset Tier | Large | Large |
| Charter Class | 5263 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 25 | 16 |
| Employees (FTE) | 302 | 334 |
| Established | Jan. 1, 1889, midnight | March 5, 1869, 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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