Bank Comparison
Citizens State Bank vs Farmers & Merchants Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens State Bank | Farmers & Merchants Savings Bank |
|---|---|---|
| CET1 Ratio | — | 15.53% |
| Tier 1 Capital Ratio | — | 15.53% |
| Total Capital Ratio | — | 16.79% |
| Tier 1 Leverage Ratio | 11.37% | 13.17% |
| Equity / Assets | 6.11% | 12.96% |
Profitability
| Metric | Citizens State Bank | Farmers & Merchants Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 1.10% |
| Return on Equity (ROE) | 16.94% | 8.52% |
| Net Interest Margin (NIM) | 3.08% | 4.43% |
| Yield on Earning Assets | 5.36% | 5.76% |
| Cost of Funds | 2.27% | 1.51% |
Asset quality
| Metric | Citizens State Bank | Farmers & Merchants Savings Bank |
|---|---|---|
| Texas Ratio | 14.29% | 8.47% |
| Non-Performing Loan Ratio | 1.53% | 1.53% |
| Non-Performing Asset Ratio | 0.88% | 1.12% |
| Net Charge-Off Ratio | 0.01% | -0.02% |
| ACL / Loans | 1.17% | 1.80% |
Balance sheet
| Metric | Citizens State Bank | Farmers & Merchants Savings Bank |
|---|---|---|
| Total Assets | $582,879K | $595,263K |
| Total Deposits | $530,373K | $514,747K |
| Total Loans | $323,417K | $436,511K |
| Total Equity | $35,615K | $77,133K |
| Net Income (quarter) | $1,506K | $1,630K |
Liquidity & funding
| Metric | Citizens State Bank | Farmers & Merchants Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 60.98% | 84.80% |
| Core Deposit Ratio | 90.33% | 92.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens State Bank | Farmers & Merchants Savings Bank |
|---|---|---|
| Headquarters City | MONTICELLO | MANCHESTER |
| Headquarters State | IA | IA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 8 | 7 |
| Employees (FTE) | 72 | 90 |
| Established | March 11, 1931, midnight | July 20, 1925, 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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