Bank Comparison
Tensas State Bank vs Citizens Bank & Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Tensas State Bank | Citizens Bank & Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.80% | 11.35% |
| Equity / Assets | 11.74% | 10.24% |
Profitability
| Metric | Tensas State Bank | Citizens Bank & Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.33% | 0.77% |
| Return on Equity (ROE) | 11.38% | 7.32% |
| Net Interest Margin (NIM) | 3.70% | 3.78% |
| Yield on Earning Assets | 5.67% | 5.68% |
| Cost of Funds | 2.16% | 2.07% |
Asset quality
| Metric | Tensas State Bank | Citizens Bank & Trust Company |
|---|---|---|
| Texas Ratio | 11.36% | 47.09% |
| Non-Performing Loan Ratio | 1.22% | 7.70% |
| Non-Performing Asset Ratio | 0.99% | 5.18% |
| Net Charge-Off Ratio | 0.25% | 0.28% |
| ACL / Loans | 1.08% | 1.21% |
Balance sheet
| Metric | Tensas State Bank | Citizens Bank & Trust Company |
|---|---|---|
| Total Assets | $184,548K | $188,414K |
| Total Deposits | $161,252K | $167,320K |
| Total Loans | $111,991K | $117,390K |
| Total Equity | $21,675K | $19,293K |
| Net Income (quarter) | $620 | $350 |
Liquidity & funding
| Metric | Tensas State Bank | Citizens Bank & Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 69.45% | 70.16% |
| Core Deposit Ratio | 81.30% | 84.27% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tensas State Bank | Citizens Bank & Trust Company |
|---|---|---|
| Headquarters City | NEWELLTON | COVINGTON |
| Headquarters State | LA | LA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 27 | 34 |
| Established | Jan. 1, 1922, midnight | Dec. 31, 1945, 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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