Bank Comparison
Hnb First Bank vs Citizens Bank of Winfield, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Hnb First Bank | Citizens Bank of Winfield, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.23% | 17.48% |
| Equity / Assets | 8.91% | 9.14% |
Profitability
| Metric | Hnb First Bank | Citizens Bank of Winfield, the |
|---|---|---|
| Return on Assets (ROA) | 1.00% | 0.43% |
| Return on Equity (ROE) | 11.27% | 5.27% |
| Net Interest Margin (NIM) | 4.25% | 2.45% |
| Yield on Earning Assets | 6.18% | 4.99% |
| Cost of Funds | 2.01% | 2.92% |
Asset quality
| Metric | Hnb First Bank | Citizens Bank of Winfield, the |
|---|---|---|
| Texas Ratio | 7.13% | 3.46% |
| Non-Performing Loan Ratio | 0.43% | 0.84% |
| Non-Performing Asset Ratio | 0.69% | 0.33% |
| Net Charge-Off Ratio | 0.03% | 0.40% |
| ACL / Loans | 1.01% | 0.94% |
Balance sheet
| Metric | Hnb First Bank | Citizens Bank of Winfield, the |
|---|---|---|
| Total Assets | $280,578K | $293,444K |
| Total Deposits | $252,748K | $219,430K |
| Total Loans | $221,727K | $113,830K |
| Total Equity | $25,009K | $26,823K |
| Net Income (quarter) | $709 | $358 |
Liquidity & funding
| Metric | Hnb First Bank | Citizens Bank of Winfield, the |
|---|---|---|
| Loan-to-Deposit Ratio | 87.73% | 51.88% |
| Core Deposit Ratio | 80.26% | 76.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hnb First Bank | Citizens Bank of Winfield, the |
|---|---|---|
| Headquarters City | HEADLAND | WINFIELD |
| Headquarters State | AL | AL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 47 | 35 |
| Established | Aug. 16, 1933, midnight | May 22, 1920, 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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