Bank Comparison
Commercial Bank vs Farmers Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Commercial Bank | Farmers Savings Bank |
|---|---|---|
| CET1 Ratio | 15.70% | — |
| Tier 1 Capital Ratio | 15.70% | — |
| Total Capital Ratio | 16.71% | — |
| Tier 1 Leverage Ratio | 9.94% | 12.47% |
| Equity / Assets | 9.59% | 11.51% |
Profitability
| Metric | Commercial Bank | Farmers Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 0.91% |
| Return on Equity (ROE) | 13.72% | 7.90% |
| Net Interest Margin (NIM) | 3.94% | 3.22% |
| Yield on Earning Assets | 6.00% | 5.35% |
| Cost of Funds | 2.08% | 2.33% |
Asset quality
| Metric | Commercial Bank | Farmers Savings Bank |
|---|---|---|
| Texas Ratio | 11.72% | 16.78% |
| Non-Performing Loan Ratio | 1.36% | 1.43% |
| Non-Performing Asset Ratio | 0.97% | 1.13% |
| Net Charge-Off Ratio | -0.03% | 0.00% |
| ACL / Loans | 0.90% | 1.33% |
Balance sheet
| Metric | Commercial Bank | Farmers Savings Bank |
|---|---|---|
| Total Assets | $215,847K | $216,251K |
| Total Deposits | $182,043K | $162,066K |
| Total Loans | $153,782K | $171,270K |
| Total Equity | $20,691K | $24,887K |
| Net Income (quarter) | $701 | $489 |
Liquidity & funding
| Metric | Commercial Bank | Farmers Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.48% | 105.68% |
| Core Deposit Ratio | 94.00% | 83.13% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Commercial Bank | Farmers Savings Bank |
|---|---|---|
| Headquarters City | WEST LIBERTY | FOSTORIA |
| Headquarters State | KY | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 32 | 22 |
| Established | Jan. 1, 1910, midnight | Aug. 24, 1916, 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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