Bank Comparison
Milford Bank the vs Citizens State Bank - La Crosse
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 | Milford Bank the | Citizens State Bank - La Crosse |
|---|---|---|
| CET1 Ratio | 14.42% | — |
| Tier 1 Capital Ratio | 14.42% | — |
| Total Capital Ratio | 15.51% | — |
| Tier 1 Leverage Ratio | 9.83% | 12.63% |
| Equity / Assets | 8.68% | 12.55% |
Profitability
| Metric | Milford Bank the | Citizens State Bank - La Crosse |
|---|---|---|
| Return on Assets (ROA) | 0.64% | 2.88% |
| Return on Equity (ROE) | 7.47% | 23.01% |
| Net Interest Margin (NIM) | 3.44% | 4.09% |
| Yield on Earning Assets | 4.66% | 6.26% |
| Cost of Funds | 1.33% | 2.43% |
Asset quality
| Metric | Milford Bank the | Citizens State Bank - La Crosse |
|---|---|---|
| Texas Ratio | 1.97% | 6.99% |
| Non-Performing Loan Ratio | 0.24% | 1.02% |
| Non-Performing Asset Ratio | 0.19% | 0.96% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.94% | 1.36% |
Balance sheet
| Metric | Milford Bank the | Citizens State Bank - La Crosse |
|---|---|---|
| Total Assets | $652,672K | $652,985K |
| Total Deposits | $513,650K | $531,107K |
| Total Loans | $507,096K | $546,390K |
| Total Equity | $56,645K | $81,930K |
| Net Income (quarter) | $1,050K | $4,669K |
Liquidity & funding
| Metric | Milford Bank the | Citizens State Bank - La Crosse |
|---|---|---|
| Loan-to-Deposit Ratio | 98.72% | 102.88% |
| Core Deposit Ratio | 95.84% | 91.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Milford Bank the | Citizens State Bank - La Crosse |
|---|---|---|
| Headquarters City | MILFORD | LA CROSSE |
| Headquarters State | CT | WI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 4 |
| Employees (FTE) | 86 | 85 |
| Established | Jan. 1, 1872, midnight | Dec. 9, 1907, 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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