Bank Comparison
Farmers and Merchants Bank vs Hertford Savings Bank, Ssb
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 3
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.75% | 10.78% |
| Equity / Assets | 11.55% | 10.76% |
Profitability
| Metric | Farmers and Merchants Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Return on Assets (ROA) | 0.58% | -0.29% |
| Return on Equity (ROE) | 4.93% | -2.72% |
| Net Interest Margin (NIM) | 3.88% | 2.91% |
| Yield on Earning Assets | 5.49% | 5.40% |
| Cost of Funds | 1.68% | 2.60% |
Asset quality
| Metric | Farmers and Merchants Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Texas Ratio | 0.00% | 1.42% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.96% | 0.97% |
Balance sheet
| Metric | Farmers and Merchants Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Total Assets | $19,800K | $20,416K |
| Total Deposits | $17,401K | $18,195K |
| Total Loans | $6,445K | $13,880K |
| Total Equity | $2,287K | $2,196K |
| Net Income (quarter) | $28 | $-15 |
Liquidity & funding
| Metric | Farmers and Merchants Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Loan-to-Deposit Ratio | 37.04% | 76.28% |
| Core Deposit Ratio | 95.50% | 89.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank | Hertford Savings Bank, Ssb |
|---|---|---|
| Headquarters City | DUKE | HERTFORD |
| Headquarters State | OK | NC |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 3 |
| Established | May 2, 1910, midnight | Jan. 1, 1923, 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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