Bank Comparison
Farmers and Merchants State Bank of Appleton vs First State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers and Merchants State Bank of Appleton | First State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.66% | 13.86% |
| Equity / Assets | 12.58% | 13.48% |
Profitability
| Metric | Farmers and Merchants State Bank of Appleton | First State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 3.22% | 2.08% |
| Return on Equity (ROE) | 24.75% | 14.93% |
| Net Interest Margin (NIM) | 5.00% | 4.78% |
| Yield on Earning Assets | 6.24% | 6.70% |
| Cost of Funds | 1.35% | 2.17% |
Asset quality
| Metric | Farmers and Merchants State Bank of Appleton | First State Bank, the |
|---|---|---|
| Texas Ratio | 10.20% | 6.19% |
| Non-Performing Loan Ratio | 1.37% | 1.13% |
| Non-Performing Asset Ratio | 1.10% | 0.91% |
| Net Charge-Off Ratio | 0.10% | 0.00% |
| ACL / Loans | 2.40% | 1.64% |
Balance sheet
| Metric | Farmers and Merchants State Bank of Appleton | First State Bank, the |
|---|---|---|
| Total Assets | $61,161K | $61,216K |
| Total Deposits | $53,336K | $52,926K |
| Total Loans | $49,409K | $49,375K |
| Total Equity | $7,697K | $8,254K |
| Net Income (quarter) | $492 | $310 |
Liquidity & funding
| Metric | Farmers and Merchants State Bank of Appleton | First State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 92.64% | 93.29% |
| Core Deposit Ratio | 91.54% | 94.25% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants State Bank of Appleton | First State Bank, the |
|---|---|---|
| Headquarters City | APPLETON | POND CREEK |
| Headquarters State | MN | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 8 | 14 |
| Established | Feb. 20, 1915, midnight | Sept. 16, 1893, 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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