Bank Comparison
Stafford Savings Bank vs Citizens State Bank
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 | Stafford Savings Bank | Citizens State Bank |
|---|---|---|
| CET1 Ratio | 32.53% | — |
| Tier 1 Capital Ratio | 32.53% | — |
| Total Capital Ratio | 32.72% | — |
| Tier 1 Leverage Ratio | 46.58% | 10.47% |
| Equity / Assets | 45.50% | 8.67% |
Profitability
| Metric | Stafford Savings Bank | Citizens State Bank |
|---|---|---|
| Return on Assets (ROA) | 2.48% | 1.36% |
| Return on Equity (ROE) | 5.35% | 15.58% |
| Net Interest Margin (NIM) | 2.31% | 3.17% |
| Yield on Earning Assets | 2.74% | 5.00% |
| Cost of Funds | 0.99% | 2.04% |
Asset quality
| Metric | Stafford Savings Bank | Citizens State Bank |
|---|---|---|
| Texas Ratio | 0.06% | 0.00% |
| Non-Performing Loan Ratio | 0.21% | 0.00% |
| Non-Performing Asset Ratio | 0.03% | 0.00% |
| Net Charge-Off Ratio | -0.05% | 0.01% |
| ACL / Loans | 1.89% | 1.06% |
Balance sheet
| Metric | Stafford Savings Bank | Citizens State Bank |
|---|---|---|
| Total Assets | $507,645K | $507,541K |
| Total Deposits | $225,735K | $457,786K |
| Total Loans | $66,501K | $296,189K |
| Total Equity | $230,994K | $43,988K |
| Net Income (quarter) | $3,073K | $1,698K |
Liquidity & funding
| Metric | Stafford Savings Bank | Citizens State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 29.46% | 64.70% |
| Core Deposit Ratio | 98.20% | 75.02% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Stafford Savings Bank | Citizens State Bank |
|---|---|---|
| Headquarters City | STAFFORD SPRINGS | SEALY |
| Headquarters State | CT | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 31 | 38 |
| Established | July 16, 1872, midnight | Aug. 12, 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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