Bank Comparison
Farmers and Merchants State Bank vs Settlers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 16
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Farmers and Merchants State Bank | Settlers Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.79% | 16.46% |
| Equity / Assets | 14.24% | 16.15% |
Profitability
| Metric | Farmers and Merchants State Bank | Settlers Bank |
|---|---|---|
| Return on Assets (ROA) | 1.42% | 1.59% |
| Return on Equity (ROE) | 10.09% | 9.72% |
| Net Interest Margin (NIM) | 3.37% | 4.50% |
| Yield on Earning Assets | 5.27% | 5.45% |
| Cost of Funds | 2.16% | 1.10% |
Asset quality
| Metric | Farmers and Merchants State Bank | Settlers Bank |
|---|---|---|
| Texas Ratio | 17.80% | 0.55% |
| Non-Performing Loan Ratio | 0.00% | 0.15% |
| Non-Performing Asset Ratio | 0.00% | 0.10% |
| Net Charge-Off Ratio | 1.02% | 0.00% |
| ACL / Loans | 0.73% | 1.75% |
Balance sheet
| Metric | Farmers and Merchants State Bank | Settlers Bank |
|---|---|---|
| Total Assets | $140,078K | $140,202K |
| Total Deposits | $109,536K | $116,944K |
| Total Loans | $78,236K | $91,402K |
| Total Equity | $19,947K | $22,638K |
| Net Income (quarter) | $513 | $550 |
Liquidity & funding
| Metric | Farmers and Merchants State Bank | Settlers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 71.42% | 78.16% |
| Core Deposit Ratio | 86.53% | 96.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants State Bank | Settlers Bank |
|---|---|---|
| Headquarters City | LANGDON | MARIETTA |
| Headquarters State | ND | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 12 | 19 |
| Established | Aug. 12, 1974, midnight | July 19, 1999, 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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