This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Grapevine, TX
Health score
85.8
Total assets
$829.8M
Bank
Tyler, TX
Health score
91.5
Total assets
$811.0M
Answer first
Bank of the West leads on lending quality and growth; Citizens 1st Bank leads on financial health and capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Citizens 1st Bank
Higher TFS health score
Capitalization
Citizens 1st Bank
Higher comparable capital ratio
Profitability
Citizens 1st Bank
Higher return on assets
Lending quality
Bank of the West
Lower problem-loan measure
Growth
Bank of the West
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Bank of the West | Citizens 1st Bank |
|---|---|---|
| TFS health score | 85.8/100 | 91.5/100Leads |
| Total assets | $829.8M | $811.0M |
| Total deposits / shares | $747.1M | $615.5M |
| Tier 1 capital ratio | 9.66% | 20.52%Leads |
| Return on assets | 1.60% | 1.71%Leads |
| Return on equity | 17.31%Leads |
Bank of the West
11 branches
Citizens 1st Bank
4 branches
Both institutions report branches in 1 state: TX.
Bank of the West
Unavailable
Citizens 1st Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Bank of the West
0 in TFS registry
Citizens 1st Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Bank of the West score | Bank of the West ROA | Citizens 1st Bank score | Citizens 1st Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.60% | — | 1.08% |
| 2024-Q4 | — | 1.59% | — | 1.12% |
| 2025-Q1 | — | 1.54% | — | 1.09% |
| 2025-Q2 | — | 1.72% | — | 1.30% |
| 2025-Q3 | — | 1.78% | — | 1.34% |
| 2025-Q4 | — | 1.70% | — | 1.24% |
| 2026-Q1 | 82.2/100 | 1.58% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 9.74% |
| Non-performing loans | 0.00%Leads | 0.53% |
| Net charge-offs | 0.00%Leads | 0.26% |
| Efficiency ratio | 61.94% | 37.41%Leads |
| Loan-to-deposit ratio | 66.65% | 77.81% |
| Asset growth (YoY) | 8.91%Leads | 7.23% |
| Deposit / share growth (YoY) | 8.76%Leads | 7.92% |
| Branches | 11 | 4 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 90.9/100 |
| 1.60% |
| 2026-Q2 | 85.8/100 | 1.60% | 91.5/100 | 1.71% |