Bank Comparison
Farmers and Merchants Bank vs First Federal Savings and Loan Association of Greene County
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 10
winning metrics across 22 comparable rows
First Federal Savings and Loan Association of Greene County
RSSD 624778 · WAYNESBURG, PA
Full profile →Capital adequacy
| Metric | Farmers and Merchants Bank | First Federal Savings and Loan Association of Greene County |
|---|---|---|
| CET1 Ratio | 23.60% | 31.84% |
| Tier 1 Capital Ratio | 23.60% | 31.84% |
| Total Capital Ratio | 23.81% | 32.21% |
| Tier 1 Leverage Ratio | 10.74% | 15.50% |
| Equity / Assets | 8.10% | 14.77% |
Profitability
| Metric | Farmers and Merchants Bank | First Federal Savings and Loan Association of Greene County |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 0.47% |
| Return on Equity (ROE) | 10.53% | 3.15% |
| Net Interest Margin (NIM) | 2.19% | 2.70% |
| Yield on Earning Assets | 4.32% | 4.11% |
| Cost of Funds | 2.29% | 1.58% |
Asset quality
| Metric | Farmers and Merchants Bank | First Federal Savings and Loan Association of Greene County |
|---|---|---|
| Texas Ratio | 0.00% | 3.04% |
| Non-Performing Loan Ratio | 0.00% | 0.62% |
| Non-Performing Asset Ratio | 0.00% | 0.45% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.42% | 0.25% |
Balance sheet
| Metric | Farmers and Merchants Bank | First Federal Savings and Loan Association of Greene County |
|---|---|---|
| Total Assets | $1,040M | $1,039M |
| Total Deposits | $878,052K | $877,404K |
| Total Loans | $229,841K | $706,761K |
| Total Equity | $84,266K | $153,516K |
| Net Income (quarter) | $2,214K | $1,208K |
Liquidity & funding
| Metric | Farmers and Merchants Bank | First Federal Savings and Loan Association of Greene County |
|---|---|---|
| Loan-to-Deposit Ratio | 26.18% | 80.55% |
| Core Deposit Ratio | 95.34% | 87.14% |
| Uninsured Deposit Ratio | — | 25.59% |
Identity
| Metric | Farmers and Merchants Bank | First Federal Savings and Loan Association of Greene County |
|---|---|---|
| Headquarters City | MILFORD | WAYNESBURG |
| Headquarters State | NE | PA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 702190 |
| Regulator | FDIC | OCC |
| Domestic Branches | 12 | 7 |
| Employees (FTE) | 60 | 130 |
| Established | July 5, 1949, midnight | Jan. 1, 1924, 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 First Federal Savings and Loan Association of Greene County profile | Browse all bank comparisons