Bank Comparison
State Bank of Fairmont vs Citizens Bank & Trust Company of Vivian, Louisiana
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 | State Bank of Fairmont | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| CET1 Ratio | 15.40% | — |
| Tier 1 Capital Ratio | 15.40% | — |
| Total Capital Ratio | 16.66% | — |
| Tier 1 Leverage Ratio | 11.00% | 10.17% |
| Equity / Assets | 9.30% | 6.42% |
Profitability
| Metric | State Bank of Fairmont | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Return on Assets (ROA) | 1.87% | 0.34% |
| Return on Equity (ROE) | 19.11% | 5.45% |
| Net Interest Margin (NIM) | 3.83% | 3.24% |
| Yield on Earning Assets | 5.83% | 4.76% |
| Cost of Funds | 2.19% | 1.55% |
Asset quality
| Metric | State Bank of Fairmont | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Texas Ratio | 10.14% | 5.84% |
| Non-Performing Loan Ratio | 1.34% | 0.63% |
| Non-Performing Asset Ratio | 0.90% | 0.30% |
| Net Charge-Off Ratio | 0.12% | 0.02% |
| ACL / Loans | 1.79% | 0.80% |
Balance sheet
| Metric | State Bank of Fairmont | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Total Assets | $155,685K | $155,789K |
| Total Deposits | $140,842K | $143,238K |
| Total Loans | $104,649K | $68,446K |
| Total Equity | $14,482K | $10,005K |
| Net Income (quarter) | $680 | $138 |
Liquidity & funding
| Metric | State Bank of Fairmont | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Loan-to-Deposit Ratio | 74.30% | 47.78% |
| Core Deposit Ratio | 92.78% | 88.64% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Fairmont | Citizens Bank & Trust Company of Vivian, Louisiana |
|---|---|---|
| Headquarters City | FAIRMONT | VIVIAN |
| Headquarters State | MN | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 7 |
| Employees (FTE) | 17 | 55 |
| Established | June 1, 1917, midnight | Sept. 14, 1967, 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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