Bank Comparison
Cbi Bank & Trust vs Farmers State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Cbi Bank & Trust | Farmers State Bank |
|---|---|---|
| CET1 Ratio | 13.08% | 13.25% |
| Tier 1 Capital Ratio | 13.08% | 13.25% |
| Total Capital Ratio | 14.23% | 14.36% |
| Tier 1 Leverage Ratio | 10.25% | 10.77% |
| Equity / Assets | 12.04% | 10.35% |
Profitability
| Metric | Cbi Bank & Trust | Farmers State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.98% | 1.34% |
| Return on Equity (ROE) | 8.02% | 13.02% |
| Net Interest Margin (NIM) | 4.08% | 3.04% |
| Yield on Earning Assets | 5.34% | 5.48% |
| Cost of Funds | 1.32% | 2.66% |
Asset quality
| Metric | Cbi Bank & Trust | Farmers State Bank |
|---|---|---|
| Texas Ratio | 8.48% | 0.08% |
| Non-Performing Loan Ratio | 1.15% | 0.00% |
| Non-Performing Asset Ratio | 0.75% | 0.00% |
| Net Charge-Off Ratio | 0.04% | 0.02% |
| ACL / Loans | 1.28% | 1.05% |
Balance sheet
| Metric | Cbi Bank & Trust | Farmers State Bank |
|---|---|---|
| Total Assets | $1,657M | $1,579M |
| Total Deposits | $1,412M | $1,257M |
| Total Loans | $1,076M | $1,296M |
| Total Equity | $199,648K | $163,516K |
| Net Income (quarter) | $4,001K | $5,318K |
Liquidity & funding
| Metric | Cbi Bank & Trust | Farmers State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.23% | 103.10% |
| Core Deposit Ratio | 92.35% | 88.04% |
| Uninsured Deposit Ratio | 30.37% | 45.38% |
Identity
| Metric | Cbi Bank & Trust | Farmers State Bank |
|---|---|---|
| Headquarters City | MUSCATINE | WATERLOO |
| Headquarters State | IA | IA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 24 | 8 |
| Employees (FTE) | 271 | 102 |
| Established | June 13, 1933, midnight | June 25, 1903, 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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