Bank Comparison
First US Bank vs Citizens Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First US Bank | Citizens Bank, the |
|---|---|---|
| CET1 Ratio | 10.85% | 16.96% |
| Tier 1 Capital Ratio | 10.85% | 16.96% |
| Total Capital Ratio | 11.99% | 18.21% |
| Tier 1 Leverage Ratio | 8.85% | 9.71% |
| Equity / Assets | 9.39% | 10.27% |
Profitability
| Metric | First US Bank | Citizens Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.79% | 1.16% |
| Return on Equity (ROE) | 8.42% | 11.17% |
| Net Interest Margin (NIM) | 3.36% | 4.17% |
| Yield on Earning Assets | 5.38% | 5.26% |
| Cost of Funds | 2.16% | 1.15% |
Asset quality
| Metric | First US Bank | Citizens Bank, the |
|---|---|---|
| Texas Ratio | 1.64% | 2.23% |
| Non-Performing Loan Ratio | 0.19% | 0.24% |
| Non-Performing Asset Ratio | 0.16% | 0.20% |
| Net Charge-Off Ratio | 0.23% | 0.06% |
| ACL / Loans | 1.25% | 1.24% |
Balance sheet
| Metric | First US Bank | Citizens Bank, the |
|---|---|---|
| Total Assets | $1,165M | $1,164M |
| Total Deposits | $1,045M | $1,034M |
| Total Loans | $843,697K | $629,474K |
| Total Equity | $109,478K | $119,554K |
| Net Income (quarter) | $2,305K | $3,311K |
Liquidity & funding
| Metric | First US Bank | Citizens Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 80.73% | 60.82% |
| Core Deposit Ratio | 95.50% | 98.37% |
| Uninsured Deposit Ratio | 22.10% | 30.86% |
Identity
| Metric | First US Bank | Citizens Bank, the |
|---|---|---|
| Headquarters City | BIRMINGHAM | OLANTA |
| Headquarters State | AL | SC |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 16 | 26 |
| Employees (FTE) | 153 | 200 |
| Established | Jan. 21, 1952, midnight | Sept. 24, 1938, 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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