Bank Comparison
Farmers and Merchants Bank vs Bank of Denton
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 7
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank | Bank of Denton |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.75% | 18.81% |
| Equity / Assets | 11.55% | 19.49% |
Profitability
| Metric | Farmers and Merchants Bank | Bank of Denton |
|---|---|---|
| Return on Assets (ROA) | 0.58% | -0.54% |
| Return on Equity (ROE) | 4.93% | -2.86% |
| Net Interest Margin (NIM) | 3.88% | 3.24% |
| Yield on Earning Assets | 5.49% | 4.23% |
| Cost of Funds | 1.68% | 1.16% |
Asset quality
| Metric | Farmers and Merchants Bank | Bank of Denton |
|---|---|---|
| Texas Ratio | 0.00% | 10.17% |
| Non-Performing Loan Ratio | 0.00% | 0.48% |
| Non-Performing Asset Ratio | 0.00% | 1.06% |
| Net Charge-Off Ratio | 0.00% | 2.21% |
| ACL / Loans | 1.96% | 0.79% |
Balance sheet
| Metric | Farmers and Merchants Bank | Bank of Denton |
|---|---|---|
| Total Assets | $19,800K | $20,044K |
| Total Deposits | $17,401K | $16,077K |
| Total Loans | $6,445K | $10,850K |
| Total Equity | $2,287K | $3,906K |
| Net Income (quarter) | $28 | $-28 |
Liquidity & funding
| Metric | Farmers and Merchants Bank | Bank of Denton |
|---|---|---|
| Loan-to-Deposit Ratio | 37.04% | 67.49% |
| Core Deposit Ratio | 95.50% | 98.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank | Bank of Denton |
|---|---|---|
| Headquarters City | DUKE | Denton |
| Headquarters State | OK | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 4 |
| Established | May 2, 1910, midnight | Oct. 1, 1894, 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 Farmers and Merchants Bank profile | View full Bank of Denton profile | Browse all bank comparisons