Bank Comparison
American State Bank of Grygla vs Farmers Bank of Lohman
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 5
winning metrics across 16 comparable rows
Capital adequacy
| Metric | American State Bank of Grygla | Farmers Bank of Lohman |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.69% | 17.14% |
| Equity / Assets | 8.55% | 15.14% |
Profitability
| Metric | American State Bank of Grygla | Farmers Bank of Lohman |
|---|---|---|
| Return on Assets (ROA) | 1.14% | 1.05% |
| Return on Equity (ROE) | 12.74% | 6.96% |
| Net Interest Margin (NIM) | 3.66% | 2.98% |
| Yield on Earning Assets | 5.09% | 4.04% |
| Cost of Funds | 1.47% | 1.20% |
Asset quality
| Metric | American State Bank of Grygla | Farmers Bank of Lohman |
|---|---|---|
| Texas Ratio | 0.00% | 0.05% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.26% | 0.84% |
Balance sheet
| Metric | American State Bank of Grygla | Farmers Bank of Lohman |
|---|---|---|
| Total Assets | $81,158K | $81,009K |
| Total Deposits | $73,848K | $68,353K |
| Total Loans | $41,356K | $25,054K |
| Total Equity | $6,935K | $12,263K |
| Net Income (quarter) | $226 | $215 |
Liquidity & funding
| Metric | American State Bank of Grygla | Farmers Bank of Lohman |
|---|---|---|
| Loan-to-Deposit Ratio | 56.00% | 36.65% |
| Core Deposit Ratio | 93.54% | 98.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | American State Bank of Grygla | Farmers Bank of Lohman |
|---|---|---|
| Headquarters City | GRYGLA | JEFFERSON CITY |
| Headquarters State | MN | MO |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 14 | 9 |
| Established | April 30, 1976, midnight | Feb. 23, 1909, 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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