Bank Comparison
Black Mountain Savings Bank, Ssb vs Farmers State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 8
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Black Mountain Savings Bank, Ssb | Farmers State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.05% | 11.82% |
| Equity / Assets | 12.01% | 9.18% |
Profitability
| Metric | Black Mountain Savings Bank, Ssb | Farmers State Bank |
|---|---|---|
| Return on Assets (ROA) | -0.23% | 0.77% |
| Return on Equity (ROE) | -1.87% | 8.28% |
| Net Interest Margin (NIM) | 1.82% | 3.44% |
| Yield on Earning Assets | 4.10% | 5.00% |
| Cost of Funds | 2.55% | 1.75% |
Asset quality
| Metric | Black Mountain Savings Bank, Ssb | Farmers State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 8.74% |
| Non-Performing Loan Ratio | 0.00% | 1.70% |
| Non-Performing Asset Ratio | 0.00% | 0.89% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.23% | 1.85% |
Balance sheet
| Metric | Black Mountain Savings Bank, Ssb | Farmers State Bank |
|---|---|---|
| Total Assets | $42,726K | $42,506K |
| Total Deposits | $37,157K | $35,037K |
| Total Loans | $27,299K | $22,141K |
| Total Equity | $5,131K | $3,903K |
| Net Income (quarter) | $-24 | $83 |
Liquidity & funding
| Metric | Black Mountain Savings Bank, Ssb | Farmers State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 73.47% | 63.19% |
| Core Deposit Ratio | 73.26% | 94.61% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Black Mountain Savings Bank, Ssb | Farmers State Bank |
|---|---|---|
| Headquarters City | BLACK MOUNTAIN | PHILLIPSBURG |
| Headquarters State | NC | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 5 |
| Established | April 4, 1923, midnight | Jan. 1, 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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