Bank Comparison
Northfield Savings Bank vs Citizens Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 13
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Northfield Savings Bank | Citizens Bank, the |
|---|---|---|
| CET1 Ratio | — | 10.31% |
| Tier 1 Capital Ratio | — | 10.31% |
| Total Capital Ratio | — | 11.57% |
| Tier 1 Leverage Ratio | 10.70% | 9.11% |
| Equity / Assets | 9.73% | 9.08% |
Profitability
| Metric | Northfield Savings Bank | Citizens Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.61% | 1.53% |
| Return on Equity (ROE) | 6.31% | 17.50% |
| Net Interest Margin (NIM) | 3.00% | 3.65% |
| Yield on Earning Assets | 4.45% | 5.86% |
| Cost of Funds | 1.53% | 2.26% |
Asset quality
| Metric | Northfield Savings Bank | Citizens Bank, the |
|---|---|---|
| Texas Ratio | 4.42% | 3.51% |
| Non-Performing Loan Ratio | 0.63% | 0.38% |
| Non-Performing Asset Ratio | 0.46% | 0.33% |
| Net Charge-Off Ratio | 0.01% | 0.12% |
| ACL / Loans | 0.87% | 1.45% |
Balance sheet
| Metric | Northfield Savings Bank | Citizens Bank, the |
|---|---|---|
| Total Assets | $1,576M | $1,574M |
| Total Deposits | $1,327M | $1,425M |
| Total Loans | $1,144M | $1,264M |
| Total Equity | $153,358K | $143,048K |
| Net Income (quarter) | $2,408K | $6,086K |
Liquidity & funding
| Metric | Northfield Savings Bank | Citizens Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 86.25% | 88.73% |
| Core Deposit Ratio | 94.10% | 91.73% |
| Uninsured Deposit Ratio | 17.58% | 19.69% |
Identity
| Metric | Northfield Savings Bank | Citizens Bank, the |
|---|---|---|
| Headquarters City | NORTHFIELD | BATESVILLE |
| Headquarters State | VT | AR |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 13 | 16 |
| Employees (FTE) | 179 | 190 |
| Established | Nov. 21, 1867, midnight | April 24, 1953, 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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