Bank Comparison
Farmers and Merchants Bank vs Sanibel Captiva Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank | Sanibel Captiva Community Bank |
|---|---|---|
| CET1 Ratio | 23.60% | 11.95% |
| Tier 1 Capital Ratio | 23.60% | 11.95% |
| Total Capital Ratio | 23.81% | 13.08% |
| Tier 1 Leverage Ratio | 10.74% | 9.19% |
| Equity / Assets | 8.10% | 9.01% |
Profitability
| Metric | Farmers and Merchants Bank | Sanibel Captiva Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.74% |
| Return on Equity (ROE) | 10.53% | 19.25% |
| Net Interest Margin (NIM) | 2.19% | 5.25% |
| Yield on Earning Assets | 4.32% | 7.13% |
| Cost of Funds | 2.29% | 1.96% |
Asset quality
| Metric | Farmers and Merchants Bank | Sanibel Captiva Community Bank |
|---|---|---|
| Texas Ratio | 0.00% | 13.40% |
| Non-Performing Loan Ratio | 0.00% | 0.82% |
| Non-Performing Asset Ratio | 0.00% | 1.32% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 0.42% | 1.00% |
Balance sheet
| Metric | Farmers and Merchants Bank | Sanibel Captiva Community Bank |
|---|---|---|
| Total Assets | $1,040M | $1,039M |
| Total Deposits | $878,052K | $912,022K |
| Total Loans | $229,841K | $867,400K |
| Total Equity | $84,266K | $93,661K |
| Net Income (quarter) | $2,214K | $4,444K |
Liquidity & funding
| Metric | Farmers and Merchants Bank | Sanibel Captiva Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 26.18% | 95.11% |
| Core Deposit Ratio | 95.34% | 96.13% |
| Uninsured Deposit Ratio | — | 23.56% |
Identity
| Metric | Farmers and Merchants Bank | Sanibel Captiva Community Bank |
|---|---|---|
| Headquarters City | MILFORD | SANIBEL |
| Headquarters State | NE | FL |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 8 |
| Employees (FTE) | 60 | 118 |
| Established | July 5, 1949, midnight | Jan. 21, 2003, 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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