Bank Comparison
First Citizens State Bank vs Cross County Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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11 · 2
winning metrics across 13 scored rows
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Capital adequacy
| Metric | First Citizens State Bank | Cross County Savings Bank |
|---|---|---|
| CET1 Ratio | — | 20.83% |
| Tier 1 Capital Ratio | — | 20.83% |
| Total Capital Ratio | — | 21.45% |
| Tier 1 Leverage Ratio | 18.00% | 12.84% |
| Equity / Assets | 17.70% | 12.90% |
Profitability
| Metric | First Citizens State Bank | Cross County Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.99% | 0.51% |
| Return on Equity (ROE) | 11.18% | 4.03% |
| Net Interest Margin (NIM) | 3.97% | 3.95% |
| Yield on Earning Assets | 5.73% | 5.22% |
| Cost of Funds | 2.08% | 1.36% |
Asset quality
| Metric | First Citizens State Bank | Cross County Savings Bank |
|---|---|---|
| Texas Ratio | 0.00% | 12.46% |
| Non-Performing Loan Ratio | 0.00% | 2.21% |
| Non-Performing Asset Ratio | 0.00% | 1.66% |
| Net Charge-Off Ratio | -0.08% | 0.01% |
| ACL / Loans | 1.79% | 0.52% |
Balance sheet
| Metric | First Citizens State Bank | Cross County Savings Bank |
|---|---|---|
| Total Assets | $525.2M | $525.4M |
| Total Deposits | $355.3M | $446.5M |
| Total Loans | $395.2M | $394.2M |
| Total Equity | $93.0M | $67.8M |
| Net Income (quarter) | $2.6M | $680K |
Liquidity & funding
| Metric | First Citizens State Bank | Cross County Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 111.23% | 88.28% |
| Core Deposit Ratio | 85.19% | 87.36% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Citizens State Bank | Cross County Savings Bank |
|---|---|---|
| Headquarters City | Whitewater | Middle Village |
| Headquarters State | WI | NY |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 6 |
| Employees (FTE) | 76 | 63 |
| Established | October 25, 1863 | January 1, 1888 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full First Citizens State Bank profile | View full Cross County Savings Bank profile | Browse all bank comparisons