Bank Comparison
The State Bank and Trust Company vs The Citizens Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 6
winning metrics across 17 scored rows
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Capital adequacy
| Metric | The State Bank and Trust Company | The Citizens Bank |
|---|---|---|
| CET1 Ratio | 12.37% | 10.57% |
| Tier 1 Capital Ratio | 12.37% | 10.57% |
| Total Capital Ratio | 13.62% | 11.82% |
| Tier 1 Leverage Ratio | 10.00% | 9.29% |
| Equity / Assets | 10.27% | 8.65% |
Profitability
| Metric | The State Bank and Trust Company | The Citizens Bank |
|---|---|---|
| Return on Assets (ROA) | 1.13% | 1.54% |
| Return on Equity (ROE) | 11.30% | 17.33% |
| Net Interest Margin (NIM) | 3.59% | 3.82% |
| Yield on Earning Assets | 5.34% | 6.10% |
| Cost of Funds | 1.83% | 2.23% |
Asset quality
| Metric | The State Bank and Trust Company | The Citizens Bank |
|---|---|---|
| Texas Ratio | 2.86% | 4.20% |
| Non-Performing Loan Ratio | 0.30% | 0.46% |
| Non-Performing Asset Ratio | 0.28% | 0.38% |
| Net Charge-Off Ratio | 0.07% | 0.12% |
| ACL / Loans | 1.37% | 1.42% |
Balance sheet
| Metric | The State Bank and Trust Company | The Citizens Bank |
|---|---|---|
| Total Assets | $1.61B | $1.70B |
| Total Deposits | $1.40B | $1.55B |
| Total Loans | $1.20B | $1.34B |
| Total Equity | $165.6M | $147.2M |
| Net Income (quarter) | $4.6M | $6.3M |
Liquidity & funding
| Metric | The State Bank and Trust Company | The Citizens Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 85.51% | 86.45% |
| Core Deposit Ratio | 95.30% | 83.25% |
| Uninsured Deposit Ratio | 26.55% | 23.67% |
Identity
| Metric | The State Bank and Trust Company | The Citizens Bank |
|---|---|---|
| Headquarters City | Defiance | Batesville |
| Headquarters State | OH | AR |
| Asset Tier | $1B to $10B in assets | $1B to $10B in assets |
| Regulator | FED | FED |
| Domestic Branches | 29 | 16 |
| Employees (FTE) | 252 | 193 |
| Established | March 28, 1902 | April 24, 1953 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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