Bank Comparison
Farmers and Merchants Bank of Craig County, the vs Sicily Island State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank of Craig County, the | Sicily Island State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.68% | 12.56% |
| Equity / Assets | 16.62% | 12.45% |
Profitability
| Metric | Farmers and Merchants Bank of Craig County, the | Sicily Island State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.25% | 1.75% |
| Return on Equity (ROE) | 7.48% | 14.40% |
| Net Interest Margin (NIM) | 3.64% | 4.53% |
| Yield on Earning Assets | 4.82% | 7.07% |
| Cost of Funds | 1.38% | 2.87% |
Asset quality
| Metric | Farmers and Merchants Bank of Craig County, the | Sicily Island State Bank |
|---|---|---|
| Texas Ratio | 0.22% | 2.97% |
| Non-Performing Loan Ratio | 0.00% | 0.42% |
| Non-Performing Asset Ratio | 0.04% | 0.33% |
| Net Charge-Off Ratio | 0.01% | -0.03% |
| ACL / Loans | 1.24% | 0.96% |
Balance sheet
| Metric | Farmers and Merchants Bank of Craig County, the | Sicily Island State Bank |
|---|---|---|
| Total Assets | $93,499K | $93,284K |
| Total Deposits | $77,575K | $73,777K |
| Total Loans | $60,367K | $73,792K |
| Total Equity | $15,539K | $11,612K |
| Net Income (quarter) | $291 | $413 |
Liquidity & funding
| Metric | Farmers and Merchants Bank of Craig County, the | Sicily Island State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.82% | 100.02% |
| Core Deposit Ratio | 93.06% | 85.67% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank of Craig County, the | Sicily Island State Bank |
|---|---|---|
| Headquarters City | NEW CASTLE | SICILY ISLAND |
| Headquarters State | VA | LA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 16 | 15 |
| Established | May 2, 1917, midnight | Feb. 1, 1918, 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 of Craig County, the profile | View full Sicily Island State Bank profile | Browse all bank comparisons