Bank Comparison
Grant County Bank vs Citizens State Bank of Loyal
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Grant County Bank | Citizens State Bank of Loyal |
|---|---|---|
| CET1 Ratio | — | 17.39% |
| Tier 1 Capital Ratio | — | 17.39% |
| Total Capital Ratio | — | 18.40% |
| Tier 1 Leverage Ratio | 12.68% | 11.42% |
| Equity / Assets | 11.52% | 10.06% |
Profitability
| Metric | Grant County Bank | Citizens State Bank of Loyal |
|---|---|---|
| Return on Assets (ROA) | 1.93% | 1.14% |
| Return on Equity (ROE) | 16.59% | 11.68% |
| Net Interest Margin (NIM) | 3.62% | 3.29% |
| Yield on Earning Assets | 5.37% | 5.00% |
| Cost of Funds | 2.00% | 1.90% |
Asset quality
| Metric | Grant County Bank | Citizens State Bank of Loyal |
|---|---|---|
| Texas Ratio | 9.15% | 0.30% |
| Non-Performing Loan Ratio | 2.13% | 0.06% |
| Non-Performing Asset Ratio | 1.15% | 0.03% |
| Net Charge-Off Ratio | -1.17% | 0.00% |
| ACL / Loans | 2.39% | 1.13% |
Balance sheet
| Metric | Grant County Bank | Citizens State Bank of Loyal |
|---|---|---|
| Total Assets | $306,274K | $307,286K |
| Total Deposits | $260,771K | $242,765K |
| Total Loans | $165,908K | $175,704K |
| Total Equity | $35,285K | $30,910K |
| Net Income (quarter) | $1,505K | $899 |
Liquidity & funding
| Metric | Grant County Bank | Citizens State Bank of Loyal |
|---|---|---|
| Loan-to-Deposit Ratio | 63.62% | 72.38% |
| Core Deposit Ratio | 77.33% | 97.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Grant County Bank | Citizens State Bank of Loyal |
|---|---|---|
| Headquarters City | ULYSSES | LOYAL |
| Headquarters State | KS | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 54 | 41 |
| Established | Jan. 1, 1906, midnight | Dec. 15, 1909, 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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