Bank Comparison
Farmers Bank vs FNB Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Farmers Bank | FNB Bank |
|---|---|---|
| CET1 Ratio | — | 13.36% |
| Tier 1 Capital Ratio | — | 13.36% |
| Total Capital Ratio | — | 14.62% |
| Tier 1 Leverage Ratio | 15.80% | 9.93% |
| Equity / Assets | 13.55% | 7.89% |
Profitability
| Metric | Farmers Bank | FNB Bank |
|---|---|---|
| Return on Assets (ROA) | 1.02% | 1.20% |
| Return on Equity (ROE) | 7.51% | 14.97% |
| Net Interest Margin (NIM) | 4.07% | 4.53% |
| Yield on Earning Assets | 5.34% | 5.80% |
| Cost of Funds | 1.34% | 1.33% |
Asset quality
| Metric | Farmers Bank | FNB Bank |
|---|---|---|
| Texas Ratio | 3.39% | 37.55% |
| Non-Performing Loan Ratio | 0.17% | 4.65% |
| Non-Performing Asset Ratio | 0.10% | 3.03% |
| Net Charge-Off Ratio | 0.01% | 0.13% |
| ACL / Loans | 0.74% | 1.86% |
Balance sheet
| Metric | Farmers Bank | FNB Bank |
|---|---|---|
| Total Assets | $286,600K | $286,600K |
| Total Deposits | $246,600K | $252,794K |
| Total Loans | $164,707K | $186,184K |
| Total Equity | $38,842K | $22,621K |
| Net Income (quarter) | $735 | $844 |
Liquidity & funding
| Metric | Farmers Bank | FNB Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.79% | 73.65% |
| Core Deposit Ratio | 94.67% | 93.79% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Bank | FNB Bank |
|---|---|---|
| Headquarters City | GREENWOOD | GOODLAND |
| Headquarters State | AR | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 5 |
| Employees (FTE) | 61 | 49 |
| Established | Aug. 1, 1907, midnight | Jan. 1, 1886, 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 Bank profile | View full FNB Bank profile | Browse all bank comparisons