Bank Comparison
Farmers and Merchants Bank vs Farmers Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank | Farmers Bank, the |
|---|---|---|
| CET1 Ratio | — | 16.84% |
| Tier 1 Capital Ratio | — | 16.84% |
| Total Capital Ratio | — | 18.09% |
| Tier 1 Leverage Ratio | 15.61% | 9.81% |
| Equity / Assets | 13.77% | 8.36% |
Profitability
| Metric | Farmers and Merchants Bank | Farmers Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.99% | 0.93% |
| Return on Equity (ROE) | 14.42% | 11.71% |
| Net Interest Margin (NIM) | 4.21% | 3.42% |
| Yield on Earning Assets | 5.11% | 5.28% |
| Cost of Funds | 1.00% | 2.06% |
Asset quality
| Metric | Farmers and Merchants Bank | Farmers Bank, the |
|---|---|---|
| Texas Ratio | 0.52% | 7.03% |
| Non-Performing Loan Ratio | 0.21% | 1.15% |
| Non-Performing Asset Ratio | 0.08% | 0.63% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.78% | 1.29% |
Balance sheet
| Metric | Farmers and Merchants Bank | Farmers Bank, the |
|---|---|---|
| Total Assets | $172,134K | $177,458K |
| Total Deposits | $147,637K | $161,889K |
| Total Loans | $63,079K | $97,921K |
| Total Equity | $23,705K | $14,836K |
| Net Income (quarter) | $847 | $429 |
Liquidity & funding
| Metric | Farmers and Merchants Bank | Farmers Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 42.73% | 60.49% |
| Core Deposit Ratio | 94.77% | 95.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank | Farmers Bank, the |
|---|---|---|
| Headquarters City | SYLVANIA | GREENSBORO |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 21 | 16 |
| Established | March 1, 1946, midnight | Sept. 6, 1911, 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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