Bank Comparison
Farmers and Merchants Bank vs First Security Bank of Nevada
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 16
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank | First Security Bank of Nevada |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.61% | 27.25% |
| Equity / Assets | 6.74% | 27.13% |
Profitability
| Metric | Farmers and Merchants Bank | First Security Bank of Nevada |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 2.54% |
| Return on Equity (ROE) | 15.72% | 8.93% |
| Net Interest Margin (NIM) | 3.00% | 5.01% |
| Yield on Earning Assets | 4.79% | 6.25% |
| Cost of Funds | 1.96% | 1.66% |
Asset quality
| Metric | Farmers and Merchants Bank | First Security Bank of Nevada |
|---|---|---|
| Texas Ratio | 6.24% | 1.68% |
| Non-Performing Loan Ratio | 1.07% | 0.71% |
| Non-Performing Asset Ratio | 0.44% | 0.44% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 1.24% | 1.48% |
Balance sheet
| Metric | Farmers and Merchants Bank | First Security Bank of Nevada |
|---|---|---|
| Total Assets | $305,625K | $305,817K |
| Total Deposits | $276,547K | $220,778K |
| Total Loans | $126,771K | $187,052K |
| Total Equity | $20,608K | $82,957K |
| Net Income (quarter) | $814 | $1,831K |
Liquidity & funding
| Metric | Farmers and Merchants Bank | First Security Bank of Nevada |
|---|---|---|
| Loan-to-Deposit Ratio | 45.84% | 84.72% |
| Core Deposit Ratio | 84.93% | 98.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank | First Security Bank of Nevada |
|---|---|---|
| Headquarters City | LAFAYETTE | LAS VEGAS |
| Headquarters State | AL | NV |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 37 | 22 |
| Established | Jan. 30, 1934, midnight | Jan. 30, 2007, 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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