Bank Comparison
Farmers and Merchants Bank of South Carolina vs Enterprise Bank of South Carolina
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Farmers and Merchants Bank of South Carolina | Enterprise Bank of South Carolina |
|---|---|---|
| CET1 Ratio | 41.84% | 15.75% |
| Tier 1 Capital Ratio | 41.84% | 15.75% |
| Total Capital Ratio | 42.61% | 16.43% |
| Tier 1 Leverage Ratio | 12.31% | 9.53% |
| Equity / Assets | 12.76% | 7.80% |
Profitability
| Metric | Farmers and Merchants Bank of South Carolina | Enterprise Bank of South Carolina |
|---|---|---|
| Return on Assets (ROA) | 1.69% | 8.42% |
| Return on Equity (ROE) | 16.36% | 123.01% |
| Net Interest Margin (NIM) | 3.62% | 3.63% |
| Yield on Earning Assets | 3.84% | 4.65% |
| Cost of Funds | 0.28% | 1.07% |
Asset quality
| Metric | Farmers and Merchants Bank of South Carolina | Enterprise Bank of South Carolina |
|---|---|---|
| Texas Ratio | 4.87% | 24.66% |
| Non-Performing Loan Ratio | 2.42% | 3.70% |
| Non-Performing Asset Ratio | 0.63% | 2.02% |
| Net Charge-Off Ratio | 0.14% | 0.10% |
| ACL / Loans | 1.01% | 0.74% |
Balance sheet
| Metric | Farmers and Merchants Bank of South Carolina | Enterprise Bank of South Carolina |
|---|---|---|
| Total Assets | $476,231K | $522,223K |
| Total Deposits | $414,346K | $466,497K |
| Total Loans | $124,628K | $285,505K |
| Total Equity | $60,765K | $40,732K |
| Net Income (quarter) | $2,451K | $10,829K |
Liquidity & funding
| Metric | Farmers and Merchants Bank of South Carolina | Enterprise Bank of South Carolina |
|---|---|---|
| Loan-to-Deposit Ratio | 30.08% | 61.20% |
| Core Deposit Ratio | 95.75% | 91.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants Bank of South Carolina | Enterprise Bank of South Carolina |
|---|---|---|
| Headquarters City | HOLLY HILL | EHRHARDT |
| Headquarters State | SC | SC |
| Asset Tier | Small | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 8 | 12 |
| Employees (FTE) | 69 | 95 |
| Established | Jan. 3, 1912, midnight | Jan. 1, 1920, 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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