Bank Comparison
Farmers and Merchants Bank of South Carolina vs Blc Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank of South Carolina | Blc Community Bank |
|---|---|---|
| CET1 Ratio | 41.84% | 11.80% |
| Tier 1 Capital Ratio | 41.84% | 11.80% |
| Total Capital Ratio | 42.61% | 12.82% |
| Tier 1 Leverage Ratio | 12.31% | 9.96% |
| Equity / Assets | 12.76% | 8.96% |
Profitability
| Metric | Farmers and Merchants Bank of South Carolina | Blc Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.69% | 1.65% |
| Return on Equity (ROE) | 16.36% | 18.56% |
| Net Interest Margin (NIM) | 3.62% | 3.13% |
| Yield on Earning Assets | 3.84% | 5.51% |
| Cost of Funds | 0.28% | 2.55% |
Asset quality
| Metric | Farmers and Merchants Bank of South Carolina | Blc Community Bank |
|---|---|---|
| Texas Ratio | 4.87% | 3.20% |
| Non-Performing Loan Ratio | 2.42% | 0.36% |
| Non-Performing Asset Ratio | 0.63% | 0.31% |
| Net Charge-Off Ratio | 0.14% | 0.00% |
| ACL / Loans | 1.01% | 0.98% |
Balance sheet
| Metric | Farmers and Merchants Bank of South Carolina | Blc Community Bank |
|---|---|---|
| Total Assets | $476,231K | $475,359K |
| Total Deposits | $414,346K | $387,184K |
| Total Loans | $124,628K | $392,313K |
| Total Equity | $60,765K | $42,608K |
| Net Income (quarter) | $2,451K | $1,954K |
Liquidity & funding
| Metric | Farmers and Merchants Bank of South Carolina | Blc Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 30.08% | 101.32% |
| Core Deposit Ratio | 95.75% | 90.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank of South Carolina | Blc Community Bank |
|---|---|---|
| Headquarters City | HOLLY HILL | LITTLE CHUTE |
| Headquarters State | SC | WI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 1 |
| Employees (FTE) | 69 | 33 |
| Established | Jan. 3, 1912, midnight | Dec. 6, 1906, 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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