Bank Comparison
Farmers Bank vs Huron Valley State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Bank | Huron Valley State Bank |
|---|---|---|
| CET1 Ratio | — | 10.78% |
| Tier 1 Capital Ratio | — | 10.78% |
| Total Capital Ratio | — | 11.94% |
| Tier 1 Leverage Ratio | 15.80% | 10.20% |
| Equity / Assets | 13.55% | 9.57% |
Profitability
| Metric | Farmers Bank | Huron Valley State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.02% | 0.88% |
| Return on Equity (ROE) | 7.51% | 8.97% |
| Net Interest Margin (NIM) | 4.07% | 4.17% |
| Yield on Earning Assets | 5.34% | 5.83% |
| Cost of Funds | 1.34% | 1.75% |
Asset quality
| Metric | Farmers Bank | Huron Valley State Bank |
|---|---|---|
| Texas Ratio | 3.39% | 20.76% |
| Non-Performing Loan Ratio | 0.17% | 2.72% |
| Non-Performing Asset Ratio | 0.10% | 2.20% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 0.74% | 1.26% |
Balance sheet
| Metric | Farmers Bank | Huron Valley State Bank |
|---|---|---|
| Total Assets | $286,600K | $286,693K |
| Total Deposits | $246,600K | $257,745K |
| Total Loans | $164,707K | $231,960K |
| Total Equity | $38,842K | $27,436K |
| Net Income (quarter) | $735 | $609 |
Liquidity & funding
| Metric | Farmers Bank | Huron Valley State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 66.79% | 90.00% |
| Core Deposit Ratio | 94.67% | 86.94% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Bank | Huron Valley State Bank |
|---|---|---|
| Headquarters City | GREENWOOD | MILFORD |
| Headquarters State | AR | MI |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 3 |
| Employees (FTE) | 61 | 44 |
| Established | Aug. 1, 1907, midnight | Aug. 15, 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.
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