Bank Comparison
Sherwood State Bank, the vs Citizens State Bank and Trust Company
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 | Sherwood State Bank, the | Citizens State Bank and Trust Company |
|---|---|---|
| CET1 Ratio | — | 30.47% |
| Tier 1 Capital Ratio | — | 30.47% |
| Total Capital Ratio | — | 31.48% |
| Tier 1 Leverage Ratio | 12.27% | 17.86% |
| Equity / Assets | 11.80% | 17.44% |
Profitability
| Metric | Sherwood State Bank, the | Citizens State Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.69% | 1.99% |
| Return on Equity (ROE) | 5.91% | 11.38% |
| Net Interest Margin (NIM) | 4.43% | 4.30% |
| Yield on Earning Assets | 5.79% | 5.03% |
| Cost of Funds | 1.45% | 0.85% |
Asset quality
| Metric | Sherwood State Bank, the | Citizens State Bank and Trust Company |
|---|---|---|
| Texas Ratio | 15.54% | 0.10% |
| Non-Performing Loan Ratio | 2.62% | 0.03% |
| Non-Performing Asset Ratio | 1.98% | 0.02% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.22% | 0.98% |
Balance sheet
| Metric | Sherwood State Bank, the | Citizens State Bank and Trust Company |
|---|---|---|
| Total Assets | $106,007K | $106,009K |
| Total Deposits | $87,991K | $81,192K |
| Total Loans | $79,898K | $62,692K |
| Total Equity | $12,507K | $18,486K |
| Net Income (quarter) | $184 | $526 |
Liquidity & funding
| Metric | Sherwood State Bank, the | Citizens State Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 90.80% | 77.21% |
| Core Deposit Ratio | 92.38% | 97.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Sherwood State Bank, the | Citizens State Bank and Trust Company |
|---|---|---|
| Headquarters City | SHERWOOD | HIAWATHA |
| Headquarters State | OH | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 28 | 22 |
| Established | Jan. 8, 1945, midnight | Jan. 1, 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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