Bank Comparison
Greenville Savings Bank vs Citizens Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Greenville Savings Bank | Citizens Savings Bank |
|---|---|---|
| CET1 Ratio | — | 30.11% |
| Tier 1 Capital Ratio | — | 30.11% |
| Total Capital Ratio | — | 30.70% |
| Tier 1 Leverage Ratio | 12.62% | 15.09% |
| Equity / Assets | 12.68% | 14.90% |
Profitability
| Metric | Greenville Savings Bank | Citizens Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 0.16% |
| Return on Equity (ROE) | 4.63% | 1.09% |
| Net Interest Margin (NIM) | 2.67% | 2.57% |
| Yield on Earning Assets | 4.70% | 4.02% |
| Cost of Funds | 2.31% | 1.64% |
Asset quality
| Metric | Greenville Savings Bank | Citizens Savings Bank |
|---|---|---|
| Texas Ratio | 1.84% | 2.08% |
| Non-Performing Loan Ratio | 0.06% | 0.39% |
| Non-Performing Asset Ratio | 0.06% | 0.32% |
| Net Charge-Off Ratio | 0.03% | 0.01% |
| ACL / Loans | 0.63% | 0.35% |
Balance sheet
| Metric | Greenville Savings Bank | Citizens Savings Bank |
|---|---|---|
| Total Assets | $342,060K | $358,923K |
| Total Deposits | $259,742K | $304,198K |
| Total Loans | $272,996K | $291,636K |
| Total Equity | $43,369K | $53,469K |
| Net Income (quarter) | $499 | $146 |
Liquidity & funding
| Metric | Greenville Savings Bank | Citizens Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 105.10% | 95.87% |
| Core Deposit Ratio | 90.27% | 93.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Greenville Savings Bank | Citizens Savings Bank |
|---|---|---|
| Headquarters City | GREENVILLE | CLARKS SUMMIT |
| Headquarters State | PA | PA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 706503 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 6 |
| Employees (FTE) | 42 | 57 |
| Established | Jan. 1, 1911, midnight | Jan. 1, 1902, 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 Greenville Savings Bank profile | View full Citizens Savings Bank profile | Browse all bank comparisons