Bank Comparison
farmbank vs First National Bank of Ava, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 18
winning metrics across 23 comparable rows
Capital adequacy
| Metric | farmbank | First National Bank of Ava, the |
|---|---|---|
| CET1 Ratio | 10.56% | 19.69% |
| Tier 1 Capital Ratio | 10.56% | 19.69% |
| Total Capital Ratio | 11.68% | 20.94% |
| Tier 1 Leverage Ratio | 7.78% | 12.53% |
| Equity / Assets | 6.31% | 10.91% |
Profitability
| Metric | farmbank | First National Bank of Ava, the |
|---|---|---|
| Return on Assets (ROA) | 0.53% | 1.01% |
| Return on Equity (ROE) | 8.69% | 9.49% |
| Net Interest Margin (NIM) | 3.83% | 4.05% |
| Yield on Earning Assets | 6.26% | 4.94% |
| Cost of Funds | 2.45% | 1.02% |
Asset quality
| Metric | farmbank | First National Bank of Ava, the |
|---|---|---|
| Texas Ratio | 7.03% | 1.30% |
| Non-Performing Loan Ratio | 0.79% | 0.29% |
| Non-Performing Asset Ratio | 0.50% | 0.16% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.31% | 1.82% |
Balance sheet
| Metric | farmbank | First National Bank of Ava, the |
|---|---|---|
| Total Assets | $78,641K | $78,665K |
| Total Deposits | $72,896K | $69,875K |
| Total Loans | $50,303K | $42,529K |
| Total Equity | $4,961K | $8,586K |
| Net Income (quarter) | $104 | $202 |
Liquidity & funding
| Metric | farmbank | First National Bank of Ava, the |
|---|---|---|
| Loan-to-Deposit Ratio | 69.01% | 60.86% |
| Core Deposit Ratio | 89.82% | 92.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | farmbank | First National Bank of Ava, the |
|---|---|---|
| Headquarters City | Green City | AVA |
| Headquarters State | MO | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 10911 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 21 | 15 |
| Established | Nov. 21, 1943, midnight | Jan. 1, 1917, 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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