Bank Comparison
First Savings and Loan Association vs Citizens State Bank of Milford
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 6
winning metrics across 16 scored rows (1 tied)
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Capital adequacy
| Metric | First Savings and Loan Association | Citizens State Bank of Milford |
|---|---|---|
| CET1 Ratio | 55.57% | 13.10% |
| Tier 1 Capital Ratio | 55.57% | 13.10% |
| Total Capital Ratio | 56.30% | 13.47% |
| Tier 1 Leverage Ratio | 23.92% | 9.30% |
| Equity / Assets | 23.97% | 6.12% |
Profitability
| Metric | First Savings and Loan Association | Citizens State Bank of Milford |
|---|---|---|
| Return on Assets (ROA) | 0.33% | 0.20% |
| Return on Equity (ROE) | 1.38% | 2.90% |
| Net Interest Margin (NIM) | 2.60% | 3.95% |
| Yield on Earning Assets | 5.00% | 4.89% |
| Cost of Funds | 2.98% | 0.89% |
Asset quality
| Metric | First Savings and Loan Association | Citizens State Bank of Milford |
|---|---|---|
| Texas Ratio | 0.60% | 2.43% |
| Non-Performing Loan Ratio | 0.23% | 0.37% |
| Non-Performing Asset Ratio | 0.15% | 0.15% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 0.51% | 0.57% |
Balance sheet
| Metric | First Savings and Loan Association | Citizens State Bank of Milford |
|---|---|---|
| Total Assets | $55.9M | $56.2M |
| Total Deposits | $41.6M | $52.0M |
| Total Loans | $35.0M | $23.6M |
| Total Equity | $13.4M | $3.4M |
| Net Income (quarter) | $46K | $29K |
Liquidity & funding
| Metric | First Savings and Loan Association | Citizens State Bank of Milford |
|---|---|---|
| Loan-to-Deposit Ratio | 84.25% | 45.45% |
| Core Deposit Ratio | 81.80% | 99.22% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Savings and Loan Association | Citizens State Bank of Milford |
|---|---|---|
| Headquarters City | Mebane | Milford |
| Headquarters State | NC | IL |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 12 |
| Established | January 1, 1909 | September 23, 1907 |
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.
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