Bank Comparison
First National Bank of Anderson, the vs Citizens Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank of Anderson, the | Citizens Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.27% | 12.44% |
| Equity / Assets | 11.63% | 11.11% |
Profitability
| Metric | First National Bank of Anderson, the | Citizens Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.17% | 1.49% |
| Return on Equity (ROE) | 10.64% | 13.36% |
| Net Interest Margin (NIM) | 4.09% | 3.97% |
| Yield on Earning Assets | 5.38% | 6.06% |
| Cost of Funds | 1.42% | 2.18% |
Asset quality
| Metric | First National Bank of Anderson, the | Citizens Bank, the |
|---|---|---|
| Texas Ratio | 9.95% | 2.18% |
| Non-Performing Loan Ratio | 1.97% | 0.01% |
| Non-Performing Asset Ratio | 1.24% | 0.01% |
| Net Charge-Off Ratio | -0.01% | 0.04% |
| ACL / Loans | 1.41% | 1.07% |
Balance sheet
| Metric | First National Bank of Anderson, the | Citizens Bank, the |
|---|---|---|
| Total Assets | $223,921K | $223,981K |
| Total Deposits | $197,446K | $198,430K |
| Total Loans | $141,281K | $162,302K |
| Total Equity | $26,031K | $24,884K |
| Net Income (quarter) | $686 | $829 |
Liquidity & funding
| Metric | First National Bank of Anderson, the | Citizens Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 71.55% | 81.79% |
| Core Deposit Ratio | 89.89% | 90.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Anderson, the | Citizens Bank, the |
|---|---|---|
| Headquarters City | ANDERSON | HICKMAN |
| Headquarters State | TX | KY |
| Asset Tier | Small | Small |
| Charter Class | 7337 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 48 | 36 |
| Established | July 5, 1904, midnight | Jan. 1, 1930, 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.
View full First National Bank of Anderson, the profile | View full Citizens Bank, the profile | Browse all bank comparisons