Bank Comparison
Constitution Bank, N.A. vs First & Farmers National Bank, INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Constitution Bank, N.A. | First & Farmers National Bank, INC. |
|---|---|---|
| CET1 Ratio | — | 14.73% |
| Tier 1 Capital Ratio | — | 14.73% |
| Total Capital Ratio | — | 15.98% |
| Tier 1 Leverage Ratio | 10.09% | 11.52% |
| Equity / Assets | 8.81% | 11.25% |
Profitability
| Metric | Constitution Bank, N.A. | First & Farmers National Bank, INC. |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 1.47% |
| Return on Equity (ROE) | 13.65% | 13.09% |
| Net Interest Margin (NIM) | 3.56% | 4.16% |
| Yield on Earning Assets | 5.20% | 5.36% |
| Cost of Funds | 1.77% | 1.32% |
Asset quality
| Metric | Constitution Bank, N.A. | First & Farmers National Bank, INC. |
|---|---|---|
| Texas Ratio | 3.62% | 5.05% |
| Non-Performing Loan Ratio | 0.50% | 0.79% |
| Non-Performing Asset Ratio | 0.35% | 0.56% |
| Net Charge-Off Ratio | 0.00% | 0.07% |
| ACL / Loans | 1.26% | 1.58% |
Balance sheet
| Metric | Constitution Bank, N.A. | First & Farmers National Bank, INC. |
|---|---|---|
| Total Assets | $678,934K | $679,539K |
| Total Deposits | $615,810K | $591,506K |
| Total Loans | $476,322K | $480,591K |
| Total Equity | $59,837K | $76,420K |
| Net Income (quarter) | $2,025K | $2,499K |
Liquidity & funding
| Metric | Constitution Bank, N.A. | First & Farmers National Bank, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 77.35% | 81.25% |
| Core Deposit Ratio | 90.48% | 90.81% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Constitution Bank, N.A. | First & Farmers National Bank, INC. |
|---|---|---|
| Headquarters City | HILLSBORO | SOMERSET |
| Headquarters State | IL | KY |
| Asset Tier | Medium | Medium |
| Charter Class | 14509 | 6769 |
| Regulator | OCC | OCC |
| Domestic Branches | 12 | 11 |
| Employees (FTE) | 112 | 114 |
| Established | Jan. 1, 1869, midnight | Oct. 15, 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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