Bank Comparison
First Federal Bank of Louisiana vs Citizens Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 15
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Federal Bank of Louisiana | Citizens Bank |
|---|---|---|
| CET1 Ratio | 21.41% | — |
| Tier 1 Capital Ratio | 21.41% | — |
| Total Capital Ratio | 22.30% | — |
| Tier 1 Leverage Ratio | 11.95% | 13.45% |
| Equity / Assets | 10.63% | 12.73% |
Profitability
| Metric | First Federal Bank of Louisiana | Citizens Bank |
|---|---|---|
| Return on Assets (ROA) | 0.38% | 1.26% |
| Return on Equity (ROE) | 3.54% | 9.84% |
| Net Interest Margin (NIM) | 2.73% | 3.73% |
| Yield on Earning Assets | 4.45% | 5.21% |
| Cost of Funds | 1.84% | 1.64% |
Asset quality
| Metric | First Federal Bank of Louisiana | Citizens Bank |
|---|---|---|
| Texas Ratio | 13.73% | 1.99% |
| Non-Performing Loan Ratio | 0.17% | 0.40% |
| Non-Performing Asset Ratio | 1.50% | 0.27% |
| Net Charge-Off Ratio | 0.84% | 0.00% |
| ACL / Loans | 0.84% | 1.17% |
Balance sheet
| Metric | First Federal Bank of Louisiana | Citizens Bank |
|---|---|---|
| Total Assets | $1,175M | $1,173M |
| Total Deposits | $1,019M | $992,753K |
| Total Loans | $638,181K | $779,659K |
| Total Equity | $124,958K | $149,388K |
| Net Income (quarter) | $1,105K | $3,694K |
Liquidity & funding
| Metric | First Federal Bank of Louisiana | Citizens Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.61% | 78.54% |
| Core Deposit Ratio | 93.19% | 93.47% |
| Uninsured Deposit Ratio | 32.75% | 34.48% |
Identity
| Metric | First Federal Bank of Louisiana | Citizens Bank |
|---|---|---|
| Headquarters City | LAKE CHARLES | MUKWONAGO |
| Headquarters State | LA | WI |
| Asset Tier | Large | Large |
| Charter Class | 705339 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 16 | 11 |
| Employees (FTE) | 192 | 159 |
| Established | Oct. 31, 1949, midnight | Dec. 12, 1892, 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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