Bank Comparison
F & C Bank vs First Farmers & Merchants Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | F & C Bank | First Farmers & Merchants Bank |
|---|---|---|
| CET1 Ratio | — | 13.41% |
| Tier 1 Capital Ratio | — | 13.41% |
| Total Capital Ratio | — | 14.34% |
| Tier 1 Leverage Ratio | 10.73% | 9.44% |
| Equity / Assets | 10.64% | 8.72% |
Profitability
| Metric | F & C Bank | First Farmers & Merchants Bank |
|---|---|---|
| Return on Assets (ROA) | 2.34% | 1.19% |
| Return on Equity (ROE) | 22.20% | 13.57% |
| Net Interest Margin (NIM) | 5.42% | 4.07% |
| Yield on Earning Assets | 7.28% | 5.22% |
| Cost of Funds | 1.99% | 1.22% |
Asset quality
| Metric | F & C Bank | First Farmers & Merchants Bank |
|---|---|---|
| Texas Ratio | 1.95% | 0.06% |
| Non-Performing Loan Ratio | 0.26% | 0.01% |
| Non-Performing Asset Ratio | 0.23% | 0.01% |
| Net Charge-Off Ratio | 0.07% | 0.00% |
| ACL / Loans | 1.22% | 1.01% |
Balance sheet
| Metric | F & C Bank | First Farmers & Merchants Bank |
|---|---|---|
| Total Assets | $473,001K | $473,457K |
| Total Deposits | $416,642K | $425,996K |
| Total Loans | $414,068K | $297,155K |
| Total Equity | $50,343K | $41,277K |
| Net Income (quarter) | $2,741K | $1,416K |
Liquidity & funding
| Metric | F & C Bank | First Farmers & Merchants Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.38% | 69.76% |
| Core Deposit Ratio | 95.45% | 92.90% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | F & C Bank | First Farmers & Merchants Bank |
|---|---|---|
| Headquarters City | HOLDEN | CANNON FALLS |
| Headquarters State | MO | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 7 |
| Employees (FTE) | 62 | 50 |
| Established | March 24, 1881, midnight | June 21, 1915, 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.
View full F & C Bank profile | View full First Farmers & Merchants Bank profile | Browse all bank comparisons