Bank Comparison
Litchfield National Bank, the vs Citizens State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Litchfield National Bank, the | Citizens State Bank |
|---|---|---|
| CET1 Ratio | 15.76% | — |
| Tier 1 Capital Ratio | 15.76% | — |
| Total Capital Ratio | 16.85% | — |
| Tier 1 Leverage Ratio | 8.81% | 13.26% |
| Equity / Assets | 7.62% | 12.52% |
Profitability
| Metric | Litchfield National Bank, the | Citizens State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.85% | 0.91% |
| Return on Equity (ROE) | 11.19% | 7.27% |
| Net Interest Margin (NIM) | 3.02% | 3.42% |
| Yield on Earning Assets | 4.52% | 5.01% |
| Cost of Funds | 1.60% | 1.77% |
Asset quality
| Metric | Litchfield National Bank, the | Citizens State Bank |
|---|---|---|
| Texas Ratio | 8.00% | 1.34% |
| Non-Performing Loan Ratio | 0.77% | 0.36% |
| Non-Performing Asset Ratio | 0.50% | 0.17% |
| Net Charge-Off Ratio | -0.02% | 0.01% |
| ACL / Loans | 1.01% | 1.16% |
Balance sheet
| Metric | Litchfield National Bank, the | Citizens State Bank |
|---|---|---|
| Total Assets | $142,916K | $142,960K |
| Total Deposits | $123,855K | $124,252K |
| Total Loans | $83,189K | $69,083K |
| Total Equity | $10,892K | $17,898K |
| Net Income (quarter) | $302 | $325 |
Liquidity & funding
| Metric | Litchfield National Bank, the | Citizens State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 67.17% | 55.60% |
| Core Deposit Ratio | 87.74% | 69.92% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Litchfield National Bank, the | Citizens State Bank |
|---|---|---|
| Headquarters City | LITCHFIELD | HUGOTON |
| Headquarters State | IL | KS |
| Asset Tier | Small | Small |
| Charter Class | 10079 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 25 | 21 |
| Established | May 1, 1907, midnight | April 1, 1913, 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 Litchfield National Bank, the profile | View full Citizens State Bank profile | Browse all bank comparisons