Bank Comparison
Farmers and Merchants Bank vs Peoples State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 11
winning metrics across 15 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank | Peoples State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.75% | 12.89% |
| Equity / Assets | 11.55% | 12.40% |
Profitability
| Metric | Farmers and Merchants Bank | Peoples State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 1.32% |
| Return on Equity (ROE) | 4.93% | 10.35% |
| Net Interest Margin (NIM) | 3.88% | 6.76% |
| Yield on Earning Assets | 5.49% | 7.15% |
| Cost of Funds | 1.68% | 0.39% |
Asset quality
| Metric | Farmers and Merchants Bank | Peoples State Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| 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% | 0.79% |
Balance sheet
| Metric | Farmers and Merchants Bank | Peoples State Bank |
|---|---|---|
| Total Assets | $19,800K | $14,444K |
| Total Deposits | $17,401K | $12,647K |
| Total Loans | $6,445K | $10,214K |
| Total Equity | $2,287K | $1,791K |
| Net Income (quarter) | $28 | $46 |
Liquidity & funding
| Metric | Farmers and Merchants Bank | Peoples State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 37.04% | 80.76% |
| Core Deposit Ratio | 95.50% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank | Peoples State Bank |
|---|---|---|
| Headquarters City | DUKE | BLAIR |
| Headquarters State | OK | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 4 | 5 |
| Established | May 2, 1910, midnight | Aug. 25, 1952, 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 Peoples State Bank profile | Browse all bank comparisons