Bank Comparison
Farmers and Merchants National Bank of Nashville, the vs Southerntrust Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers and Merchants National Bank of Nashville, the | Southerntrust Bank |
|---|---|---|
| CET1 Ratio | 15.74% | — |
| Tier 1 Capital Ratio | 15.74% | — |
| Total Capital Ratio | 16.65% | — |
| Tier 1 Leverage Ratio | 11.61% | 10.40% |
| Equity / Assets | 9.78% | 10.98% |
Profitability
| Metric | Farmers and Merchants National Bank of Nashville, the | Southerntrust Bank |
|---|---|---|
| Return on Assets (ROA) | 1.53% | 1.29% |
| Return on Equity (ROE) | 16.00% | 11.83% |
| Net Interest Margin (NIM) | 4.05% | 3.70% |
| Yield on Earning Assets | 4.91% | 6.00% |
| Cost of Funds | 0.92% | 2.43% |
Asset quality
| Metric | Farmers and Merchants National Bank of Nashville, the | Southerntrust Bank |
|---|---|---|
| Texas Ratio | 5.85% | 18.13% |
| Non-Performing Loan Ratio | 0.33% | 2.35% |
| Non-Performing Asset Ratio | 0.61% | 2.00% |
| Net Charge-Off Ratio | 0.01% | 0.72% |
| ACL / Loans | 1.03% | 1.28% |
Balance sheet
| Metric | Farmers and Merchants National Bank of Nashville, the | Southerntrust Bank |
|---|---|---|
| Total Assets | $279,954K | $282,688K |
| Total Deposits | $252,113K | $196,049K |
| Total Loans | $179,494K | $211,520K |
| Total Equity | $27,367K | $31,036K |
| Net Income (quarter) | $1,081K | $906 |
Liquidity & funding
| Metric | Farmers and Merchants National Bank of Nashville, the | Southerntrust Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 71.20% | 107.89% |
| Core Deposit Ratio | 90.56% | 91.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants National Bank of Nashville, the | Southerntrust Bank |
|---|---|---|
| Headquarters City | NASHVILLE | MARION |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 8221 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 8 | 3 |
| Employees (FTE) | 50 | 34 |
| Established | May 10, 1906, midnight | May 31, 2005, 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 National Bank of Nashville, the profile | View full Southerntrust Bank profile | Browse all bank comparisons