Bank Comparison
Progressive Ozark Bank vs Citizens Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Progressive Ozark Bank | Citizens Bank & Trust Company |
|---|---|---|
| CET1 Ratio | 13.22% | — |
| Tier 1 Capital Ratio | 13.22% | — |
| Total Capital Ratio | 14.48% | — |
| Tier 1 Leverage Ratio | 9.64% | 11.35% |
| Equity / Assets | 9.57% | 10.24% |
Profitability
| Metric | Progressive Ozark Bank | Citizens Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 2.13% | 0.77% |
| Return on Equity (ROE) | 22.50% | 7.32% |
| Net Interest Margin (NIM) | 5.43% | 3.78% |
| Yield on Earning Assets | 6.38% | 5.68% |
| Cost of Funds | 1.00% | 2.07% |
Asset quality
| Metric | Progressive Ozark Bank | Citizens Bank & Trust Company |
|---|---|---|
| Texas Ratio | 17.60% | 47.09% |
| Non-Performing Loan Ratio | 2.21% | 7.70% |
| Non-Performing Asset Ratio | 1.86% | 5.18% |
| Net Charge-Off Ratio | 0.02% | 0.28% |
| ACL / Loans | 1.19% | 1.21% |
Balance sheet
| Metric | Progressive Ozark Bank | Citizens Bank & Trust Company |
|---|---|---|
| Total Assets | $188,235K | $188,414K |
| Total Deposits | $168,410K | $167,320K |
| Total Loans | $158,642K | $117,390K |
| Total Equity | $18,021K | $19,293K |
| Net Income (quarter) | $1,005K | $350 |
Liquidity & funding
| Metric | Progressive Ozark Bank | Citizens Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 94.20% | 70.16% |
| Core Deposit Ratio | 97.39% | 84.27% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Progressive Ozark Bank | Citizens Bank & Trust Company |
|---|---|---|
| Headquarters City | SALEM | COVINGTON |
| Headquarters State | MO | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 6 | 5 |
| Employees (FTE) | 52 | 34 |
| Established | June 2, 1965, midnight | Dec. 31, 1945, 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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