Bank Comparison
Farmers and Merchants State Bank of Appleton vs State National Bank of Groom, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 7
winning metrics across 18 comparable rows
Capital adequacy
| Metric | Farmers and Merchants State Bank of Appleton | State National Bank of Groom, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.66% | 11.35% |
| Equity / Assets | 12.58% | 12.03% |
Profitability
| Metric | Farmers and Merchants State Bank of Appleton | State National Bank of Groom, the |
|---|---|---|
| Return on Assets (ROA) | 3.22% | 1.14% |
| Return on Equity (ROE) | 24.75% | 10.22% |
| Net Interest Margin (NIM) | 5.00% | 3.99% |
| Yield on Earning Assets | 6.24% | 6.69% |
| Cost of Funds | 1.35% | 3.08% |
Asset quality
| Metric | Farmers and Merchants State Bank of Appleton | State National Bank of Groom, the |
|---|---|---|
| Texas Ratio | 10.20% | 7.16% |
| Non-Performing Loan Ratio | 1.37% | 0.36% |
| Non-Performing Asset Ratio | 1.10% | 0.95% |
| Net Charge-Off Ratio | 0.10% | -0.08% |
| ACL / Loans | 2.40% | 1.74% |
Balance sheet
| Metric | Farmers and Merchants State Bank of Appleton | State National Bank of Groom, the |
|---|---|---|
| Total Assets | $61,161K | $60,856K |
| Total Deposits | $53,336K | $53,425K |
| Total Loans | $49,409K | $45,599K |
| Total Equity | $7,697K | $7,321K |
| Net Income (quarter) | $492 | $185 |
Liquidity & funding
| Metric | Farmers and Merchants State Bank of Appleton | State National Bank of Groom, the |
|---|---|---|
| Loan-to-Deposit Ratio | 92.64% | 85.35% |
| Core Deposit Ratio | 91.54% | 98.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers and Merchants State Bank of Appleton | State National Bank of Groom, the |
|---|---|---|
| Headquarters City | APPLETON | GROOM |
| Headquarters State | MN | TX |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 12742 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 8 | 8 |
| Established | Feb. 20, 1915, midnight | May 1, 1925, 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 State Bank of Appleton profile | View full State National Bank of Groom, the profile | Browse all bank comparisons