Bank Comparison
F & C Bank vs Missouri Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | F & C Bank | Missouri Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.73% | 12.28% |
| Equity / Assets | 10.64% | 11.72% |
Profitability
| Metric | F & C Bank | Missouri Bank, the |
|---|---|---|
| Return on Assets (ROA) | 2.34% | 2.11% |
| Return on Equity (ROE) | 22.20% | 18.50% |
| Net Interest Margin (NIM) | 5.42% | 3.91% |
| Yield on Earning Assets | 7.28% | 5.57% |
| Cost of Funds | 1.99% | 1.77% |
Asset quality
| Metric | F & C Bank | Missouri Bank, the |
|---|---|---|
| Texas Ratio | 1.95% | 0.70% |
| Non-Performing Loan Ratio | 0.26% | 0.03% |
| Non-Performing Asset Ratio | 0.23% | 0.02% |
| Net Charge-Off Ratio | 0.07% | 0.00% |
| ACL / Loans | 1.22% | 1.23% |
Balance sheet
| Metric | F & C Bank | Missouri Bank, the |
|---|---|---|
| Total Assets | $473,001K | $474,299K |
| Total Deposits | $416,642K | $418,053K |
| Total Loans | $414,068K | $314,424K |
| Total Equity | $50,343K | $55,589K |
| Net Income (quarter) | $2,741K | $2,554K |
Liquidity & funding
| Metric | F & C Bank | Missouri Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 99.38% | 75.21% |
| Core Deposit Ratio | 95.45% | 95.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | F & C Bank | Missouri Bank, the |
|---|---|---|
| Headquarters City | HOLDEN | WARRENTON |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 3 | 7 |
| Employees (FTE) | 62 | 70 |
| Established | March 24, 1881, midnight | Jan. 1, 1934, 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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