Bank Comparison
Concordia Bank vs Farmers State Bank & Trust CO.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 5
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Concordia Bank | Farmers State Bank & Trust CO. |
|---|---|---|
| CET1 Ratio | — | 13.03% |
| Tier 1 Capital Ratio | — | 13.03% |
| Total Capital Ratio | — | 14.25% |
| Tier 1 Leverage Ratio | 11.44% | 8.89% |
| Equity / Assets | 11.10% | 8.30% |
Profitability
| Metric | Concordia Bank | Farmers State Bank & Trust CO. |
|---|---|---|
| Return on Assets (ROA) | 1.44% | 1.47% |
| Return on Equity (ROE) | 13.08% | 18.46% |
| Net Interest Margin (NIM) | 4.53% | 3.96% |
| Yield on Earning Assets | 6.07% | 5.46% |
| Cost of Funds | 1.65% | 1.61% |
Asset quality
| Metric | Concordia Bank | Farmers State Bank & Trust CO. |
|---|---|---|
| Texas Ratio | 2.38% | 9.80% |
| Non-Performing Loan Ratio | 0.34% | 1.26% |
| Non-Performing Asset Ratio | 0.29% | 0.85% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.31% | 1.25% |
Balance sheet
| Metric | Concordia Bank | Farmers State Bank & Trust CO. |
|---|---|---|
| Total Assets | $131,025K | $130,980K |
| Total Deposits | $115,578K | $118,609K |
| Total Loans | $96,677K | $88,966K |
| Total Equity | $14,544K | $10,870K |
| Net Income (quarter) | $469 | $499 |
Liquidity & funding
| Metric | Concordia Bank | Farmers State Bank & Trust CO. |
|---|---|---|
| Loan-to-Deposit Ratio | 83.65% | 75.01% |
| Core Deposit Ratio | 93.93% | 85.50% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Concordia Bank | Farmers State Bank & Trust CO. |
|---|---|---|
| Headquarters City | CONCORDIA | MOUNT STERLING |
| Headquarters State | MO | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 24 | 16 |
| Established | May 1, 1932, midnight | June 1, 1914, 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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