Bank Comparison
Fsnb, N.A. vs Citizens Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Fsnb, N.A. | Citizens Bank and Trust Company |
|---|---|---|
| CET1 Ratio | — | 14.10% |
| Tier 1 Capital Ratio | — | 14.10% |
| Total Capital Ratio | — | 15.09% |
| Tier 1 Leverage Ratio | 17.10% | 11.61% |
| Equity / Assets | 16.73% | 11.52% |
Profitability
| Metric | Fsnb, N.A. | Citizens Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 2.78% | 1.05% |
| Return on Equity (ROE) | 16.70% | 9.22% |
| Net Interest Margin (NIM) | 4.07% | 4.29% |
| Yield on Earning Assets | 4.36% | 5.88% |
| Cost of Funds | 0.31% | 1.67% |
Asset quality
| Metric | Fsnb, N.A. | Citizens Bank and Trust Company |
|---|---|---|
| Texas Ratio | 4.45% | 5.47% |
| Non-Performing Loan Ratio | 0.23% | 0.71% |
| Non-Performing Asset Ratio | 0.72% | 0.67% |
| Net Charge-Off Ratio | 0.90% | 0.14% |
| ACL / Loans | 1.80% | 1.02% |
Balance sheet
| Metric | Fsnb, N.A. | Citizens Bank and Trust Company |
|---|---|---|
| Total Assets | $471,240K | $471,372K |
| Total Deposits | $377,678K | $410,214K |
| Total Loans | $144,917K | $349,875K |
| Total Equity | $78,838K | $54,299K |
| Net Income (quarter) | $3,304K | $1,240K |
Liquidity & funding
| Metric | Fsnb, N.A. | Citizens Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 38.37% | 85.29% |
| Core Deposit Ratio | 99.72% | 94.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fsnb, N.A. | Citizens Bank and Trust Company |
|---|---|---|
| Headquarters City | LAWTON | PLAQUEMINE |
| Headquarters State | OK | LA |
| Asset Tier | Small | Small |
| Charter Class | 14546 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 68 | 7 |
| Employees (FTE) | 578 | 79 |
| Established | July 1, 1946, midnight | July 5, 1916, 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 Fsnb, N.A. profile | View full Citizens Bank and Trust Company profile | Browse all bank comparisons