Bank Comparison
South Georgia Banking Company vs Citizens Bank Minnesota
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 6
winning metrics across 23 comparable rows
Capital adequacy
| Metric | South Georgia Banking Company | Citizens Bank Minnesota |
|---|---|---|
| CET1 Ratio | 17.56% | 11.67% |
| Tier 1 Capital Ratio | 17.56% | 11.67% |
| Total Capital Ratio | 18.62% | 12.33% |
| Tier 1 Leverage Ratio | 13.24% | 9.39% |
| Equity / Assets | 13.01% | 9.12% |
Profitability
| Metric | South Georgia Banking Company | Citizens Bank Minnesota |
|---|---|---|
| Return on Assets (ROA) | 1.55% | 0.81% |
| Return on Equity (ROE) | 12.06% | 8.95% |
| Net Interest Margin (NIM) | 5.10% | 3.10% |
| Yield on Earning Assets | 5.78% | 4.80% |
| Cost of Funds | 0.69% | 1.77% |
Asset quality
| Metric | South Georgia Banking Company | Citizens Bank Minnesota |
|---|---|---|
| Texas Ratio | 4.27% | 0.19% |
| Non-Performing Loan Ratio | 0.79% | 0.00% |
| Non-Performing Asset Ratio | 0.51% | 0.00% |
| Net Charge-Off Ratio | 0.07% | 0.00% |
| ACL / Loans | 1.16% | 0.73% |
Balance sheet
| Metric | South Georgia Banking Company | Citizens Bank Minnesota |
|---|---|---|
| Total Assets | $589,788K | $589,979K |
| Total Deposits | $510,479K | $506,474K |
| Total Loans | $382,902K | $399,314K |
| Total Equity | $76,747K | $53,826K |
| Net Income (quarter) | $2,287K | $1,190K |
Liquidity & funding
| Metric | South Georgia Banking Company | Citizens Bank Minnesota |
|---|---|---|
| Loan-to-Deposit Ratio | 75.01% | 78.84% |
| Core Deposit Ratio | 95.78% | 95.15% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | South Georgia Banking Company | Citizens Bank Minnesota |
|---|---|---|
| Headquarters City | OMEGA | NEW ULM |
| Headquarters State | GA | MN |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 6 |
| Employees (FTE) | 115 | 93 |
| Established | June 14, 1937, midnight | Dec. 13, 1875, 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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