Bank Comparison
American Bank and Trust Company vs Kentucky Farmers Bank Corporation
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | American Bank and Trust Company | Kentucky Farmers Bank Corporation |
|---|---|---|
| CET1 Ratio | — | 26.76% |
| Tier 1 Capital Ratio | — | 26.76% |
| Total Capital Ratio | — | 27.64% |
| Tier 1 Leverage Ratio | 15.08% | 15.27% |
| Equity / Assets | 15.54% | 15.02% |
Profitability
| Metric | American Bank and Trust Company | Kentucky Farmers Bank Corporation |
|---|---|---|
| Return on Assets (ROA) | 1.55% | 2.02% |
| Return on Equity (ROE) | 10.49% | 13.34% |
| Net Interest Margin (NIM) | 3.96% | 4.47% |
| Yield on Earning Assets | 5.90% | 5.61% |
| Cost of Funds | 2.24% | 1.30% |
Asset quality
| Metric | American Bank and Trust Company | Kentucky Farmers Bank Corporation |
|---|---|---|
| Texas Ratio | 17.36% | 0.84% |
| Non-Performing Loan Ratio | 2.96% | 0.18% |
| Non-Performing Asset Ratio | 2.20% | 0.12% |
| Net Charge-Off Ratio | 0.60% | 0.17% |
| ACL / Loans | 1.02% | 0.99% |
Balance sheet
| Metric | American Bank and Trust Company | Kentucky Farmers Bank Corporation |
|---|---|---|
| Total Assets | $319,673K | $319,587K |
| Total Deposits | $264,644K | $270,472K |
| Total Loans | $201,752K | $166,068K |
| Total Equity | $49,668K | $48,011K |
| Net Income (quarter) | $1,289K | $1,654K |
Liquidity & funding
| Metric | American Bank and Trust Company | Kentucky Farmers Bank Corporation |
|---|---|---|
| Loan-to-Deposit Ratio | 76.24% | 61.40% |
| Core Deposit Ratio | 83.94% | 88.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American Bank and Trust Company | Kentucky Farmers Bank Corporation |
|---|---|---|
| Headquarters City | TULSA | ASHLAND |
| Headquarters State | OK | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 39 | 70 |
| Established | Nov. 5, 1971, midnight | Jan. 1, 1931, 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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