Bank Comparison
ST. Johns Bank & Trust Company vs Citizens National Bank at Brownwood
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | ST. Johns Bank & Trust Company | Citizens National Bank at Brownwood |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.19% | 10.28% |
| Equity / Assets | 12.27% | 9.75% |
Profitability
| Metric | ST. Johns Bank & Trust Company | Citizens National Bank at Brownwood |
|---|---|---|
| Return on Assets (ROA) | 0.73% | 1.39% |
| Return on Equity (ROE) | 6.05% | 14.49% |
| Net Interest Margin (NIM) | 4.78% | 3.30% |
| Yield on Earning Assets | 5.09% | 4.42% |
| Cost of Funds | 0.34% | 1.19% |
Asset quality
| Metric | ST. Johns Bank & Trust Company | Citizens National Bank at Brownwood |
|---|---|---|
| Texas Ratio | 25.24% | 5.02% |
| Non-Performing Loan Ratio | 3.34% | 0.86% |
| Non-Performing Asset Ratio | 3.41% | 0.32% |
| Net Charge-Off Ratio | 0.01% | 0.14% |
| ACL / Loans | 1.62% | 1.70% |
Balance sheet
| Metric | ST. Johns Bank & Trust Company | Citizens National Bank at Brownwood |
|---|---|---|
| Total Assets | $295,696K | $295,967K |
| Total Deposits | $258,497K | $265,081K |
| Total Loans | $223,794K | $111,300K |
| Total Equity | $36,286K | $28,853K |
| Net Income (quarter) | $546 | $1,049K |
Liquidity & funding
| Metric | ST. Johns Bank & Trust Company | Citizens National Bank at Brownwood |
|---|---|---|
| Loan-to-Deposit Ratio | 86.58% | 41.99% |
| Core Deposit Ratio | 99.13% | 91.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | ST. Johns Bank & Trust Company | Citizens National Bank at Brownwood |
|---|---|---|
| Headquarters City | SAINT LOUIS | BROWNWOOD |
| Headquarters State | MO | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 14273 |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 75 | 43 |
| Established | Jan. 1, 1926, midnight | Sept. 28, 1934, 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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