Bank Comparison
First Eagle Bank vs Citizens Bank of Georgia, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First Eagle Bank | Citizens Bank of Georgia, the |
|---|---|---|
| CET1 Ratio | — | 18.09% |
| Tier 1 Capital Ratio | — | 18.09% |
| Total Capital Ratio | — | 19.26% |
| Tier 1 Leverage Ratio | 21.46% | 10.95% |
| Equity / Assets | 20.80% | 10.16% |
Profitability
| Metric | First Eagle Bank | Citizens Bank of Georgia, the |
|---|---|---|
| Return on Assets (ROA) | 2.03% | 1.78% |
| Return on Equity (ROE) | 9.89% | 17.76% |
| Net Interest Margin (NIM) | 4.29% | 3.95% |
| Yield on Earning Assets | 5.75% | 5.12% |
| Cost of Funds | 1.83% | 1.28% |
Asset quality
| Metric | First Eagle Bank | Citizens Bank of Georgia, the |
|---|---|---|
| Texas Ratio | 0.12% | 0.03% |
| Non-Performing Loan Ratio | 0.04% | 0.01% |
| Non-Performing Asset Ratio | 0.03% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.02% |
| ACL / Loans | 1.27% | 1.31% |
Balance sheet
| Metric | First Eagle Bank | Citizens Bank of Georgia, the |
|---|---|---|
| Total Assets | $623,529K | $622,032K |
| Total Deposits | $444,372K | $556,326K |
| Total Loans | $444,453K | $324,528K |
| Total Equity | $129,717K | $63,181K |
| Net Income (quarter) | $3,188K | $2,768K |
Liquidity & funding
| Metric | First Eagle Bank | Citizens Bank of Georgia, the |
|---|---|---|
| Loan-to-Deposit Ratio | 100.02% | 58.33% |
| Core Deposit Ratio | 87.12% | 86.68% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Eagle Bank | Citizens Bank of Georgia, the |
|---|---|---|
| Headquarters City | CHICAGO | CUMMING |
| Headquarters State | IL | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 43 | 58 |
| Established | Feb. 14, 1985, midnight | Feb. 3, 1997, 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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