Bank Comparison
Farmers and Merchants Bank vs High Plains Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank | High Plains Bank |
|---|---|---|
| CET1 Ratio | 14.12% | — |
| Tier 1 Capital Ratio | 14.12% | — |
| Total Capital Ratio | 15.22% | — |
| Tier 1 Leverage Ratio | 11.56% | 9.83% |
| Equity / Assets | 11.41% | 10.73% |
Profitability
| Metric | Farmers and Merchants Bank | High Plains Bank |
|---|---|---|
| Return on Assets (ROA) | 1.69% | 1.80% |
| Return on Equity (ROE) | 14.74% | 17.77% |
| Net Interest Margin (NIM) | 3.29% | 3.83% |
| Yield on Earning Assets | 6.25% | 6.52% |
| Cost of Funds | 3.24% | 3.03% |
Asset quality
| Metric | Farmers and Merchants Bank | High Plains Bank |
|---|---|---|
| Texas Ratio | 8.31% | 8.65% |
| Non-Performing Loan Ratio | 0.75% | 0.66% |
| Non-Performing Asset Ratio | 0.63% | 0.55% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.04% | 0.98% |
Balance sheet
| Metric | Farmers and Merchants Bank | High Plains Bank |
|---|---|---|
| Total Assets | $211,828K | $211,748K |
| Total Deposits | $161,105K | $186,598K |
| Total Loans | $177,601K | $175,673K |
| Total Equity | $24,166K | $22,715K |
| Net Income (quarter) | $878 | $1,001K |
Liquidity & funding
| Metric | Farmers and Merchants Bank | High Plains Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 110.24% | 94.15% |
| Core Deposit Ratio | 85.22% | 93.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank | High Plains Bank |
|---|---|---|
| Headquarters City | MILLIGAN | OKEENE |
| Headquarters State | NE | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 16 | 26 |
| Established | June 10, 1903, midnight | Feb. 11, 1930, 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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