Bank Comparison
Farmers and Merchants National Bank of Nashville, the vs Newport Federal Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 9
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Farmers and Merchants National Bank of Nashville, the | Newport Federal Bank |
|---|---|---|
| CET1 Ratio | 15.74% | 22.25% |
| Tier 1 Capital Ratio | 15.74% | 22.25% |
| Total Capital Ratio | 16.65% | 23.50% |
| Tier 1 Leverage Ratio | 11.61% | 10.59% |
| Equity / Assets | 9.78% | 8.33% |
Profitability
| Metric | Farmers and Merchants National Bank of Nashville, the | Newport Federal Bank |
|---|---|---|
| Return on Assets (ROA) | 1.53% | 0.79% |
| Return on Equity (ROE) | 16.00% | 9.41% |
| Net Interest Margin (NIM) | 4.05% | 2.71% |
| Yield on Earning Assets | 4.91% | 4.29% |
| Cost of Funds | 0.92% | 1.73% |
Asset quality
| Metric | Farmers and Merchants National Bank of Nashville, the | Newport Federal Bank |
|---|---|---|
| Texas Ratio | 5.85% | 2.43% |
| Non-Performing Loan Ratio | 0.33% | 0.47% |
| Non-Performing Asset Ratio | 0.61% | 0.22% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.03% | 1.25% |
Balance sheet
| Metric | Farmers and Merchants National Bank of Nashville, the | Newport Federal Bank |
|---|---|---|
| Total Assets | $279,954K | $280,207K |
| Total Deposits | $252,113K | $253,749K |
| Total Loans | $179,494K | $129,866K |
| Total Equity | $27,367K | $23,334K |
| Net Income (quarter) | $1,081K | $550 |
Liquidity & funding
| Metric | Farmers and Merchants National Bank of Nashville, the | Newport Federal Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 71.20% | 51.18% |
| Core Deposit Ratio | 90.56% | 80.58% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants National Bank of Nashville, the | Newport Federal Bank |
|---|---|---|
| Headquarters City | NASHVILLE | NEWPORT |
| Headquarters State | IL | TN |
| Asset Tier | Small | Small |
| Charter Class | 8221 | 702892 |
| Regulator | OCC | OCC |
| Domestic Branches | 8 | 2 |
| Employees (FTE) | 50 | 34 |
| Established | May 10, 1906, midnight | Aug. 1, 1934, 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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