How profitable a bank is affects its long-term survivability. Earnings can be retained by the bank, boosting its capital cushion, or be used to deal with problematic loans, likely making the bank more resilient in times of trouble. Conversely, losses take away from a bank's ability to do those things.
The Citizens National Bank of Bluffton received above-average marks on Bankrate's test of earnings, achieving a score of 28 out of a possible 30.
Return on equity, calculated by dividing net income (profit, essentially) by total equity, is one important way to measure a bank's earnings. The most recent annualized quarterly return on equity for The Citizens National Bank of Bluffton was 20.49 percent, above the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank earned net income of $15.1 million on total equity of $77.0 million. The bank experienced an annualized return on average assets, or ROA, of 1.89 percent, above the 1 percent deemed satisfactory in accordance with industry standards, and above the average for U.S. banks of 1.00 percent.