Bank Comparison
Farmers and Merchants Bank vs Wheeler County State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank | Wheeler County State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.61% | 13.91% |
| Equity / Assets | 13.77% | 13.44% |
Profitability
| Metric | Farmers and Merchants Bank | Wheeler County State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.99% | -2.35% |
| Return on Equity (ROE) | 14.42% | -16.05% |
| Net Interest Margin (NIM) | 4.21% | 5.05% |
| Yield on Earning Assets | 5.11% | 6.36% |
| Cost of Funds | 1.00% | 1.46% |
Asset quality
| Metric | Farmers and Merchants Bank | Wheeler County State Bank |
|---|---|---|
| Texas Ratio | 0.52% | 0.78% |
| Non-Performing Loan Ratio | 0.21% | 0.19% |
| Non-Performing Asset Ratio | 0.08% | 0.11% |
| Net Charge-Off Ratio | -0.01% | 0.08% |
| ACL / Loans | 1.78% | 1.48% |
Balance sheet
| Metric | Farmers and Merchants Bank | Wheeler County State Bank |
|---|---|---|
| Total Assets | $172,134K | $170,005K |
| Total Deposits | $147,637K | $146,134K |
| Total Loans | $63,079K | $96,980K |
| Total Equity | $23,705K | $22,843K |
| Net Income (quarter) | $847 | $-966 |
Liquidity & funding
| Metric | Farmers and Merchants Bank | Wheeler County State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 42.73% | 66.36% |
| Core Deposit Ratio | 94.77% | 89.93% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank | Wheeler County State Bank |
|---|---|---|
| Headquarters City | SYLVANIA | Alamo |
| Headquarters State | GA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 21 | 26 |
| Established | March 1, 1946, midnight | June 29, 1934, 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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