Bank Comparison
Tri City National Bank vs Citizens National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 10
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Tri City National Bank | Citizens National Bank |
|---|---|---|
| CET1 Ratio | — | 14.84% |
| Tier 1 Capital Ratio | — | 14.84% |
| Total Capital Ratio | — | 16.02% |
| Tier 1 Leverage Ratio | 10.95% | 10.78% |
| Equity / Assets | 9.48% | 9.54% |
Profitability
| Metric | Tri City National Bank | Citizens National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 1.93% |
| Return on Equity (ROE) | 8.38% | 20.28% |
| Net Interest Margin (NIM) | 3.46% | 3.38% |
| Yield on Earning Assets | 4.40% | 5.11% |
| Cost of Funds | 1.01% | 1.89% |
Asset quality
| Metric | Tri City National Bank | Citizens National Bank |
|---|---|---|
| Texas Ratio | 6.85% | 0.29% |
| Non-Performing Loan Ratio | 1.05% | 0.01% |
| Non-Performing Asset Ratio | 0.70% | 0.01% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.22% | 1.20% |
Balance sheet
| Metric | Tri City National Bank | Citizens National Bank |
|---|---|---|
| Total Assets | $1,969M | $1,959M |
| Total Deposits | $1,768M | $1,748M |
| Total Loans | $1,176M | $1,333M |
| Total Equity | $186,642K | $186,973K |
| Net Income (quarter) | $3,898K | $9,520K |
Liquidity & funding
| Metric | Tri City National Bank | Citizens National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.56% | 76.26% |
| Core Deposit Ratio | 97.14% | 89.34% |
| Uninsured Deposit Ratio | 27.41% | 37.28% |
Identity
| Metric | Tri City National Bank | Citizens National Bank |
|---|---|---|
| Headquarters City | OAK CREEK | SEVIERVILLE |
| Headquarters State | WI | TN |
| Asset Tier | Large | Large |
| Charter Class | 15738 | 16076 |
| Regulator | OCC | OCC |
| Domestic Branches | 28 | 21 |
| Employees (FTE) | 348 | 200 |
| Established | Oct. 28, 1963, midnight | Feb. 5, 1973, 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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