Bank Comparison
Farmers Bank and Savings Company, the vs ST. Henry Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Bank and Savings Company, the | ST. Henry Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.22% | 12.96% |
| Equity / Assets | 8.99% | 10.87% |
Profitability
| Metric | Farmers Bank and Savings Company, the | ST. Henry Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.66% | 2.77% |
| Return on Equity (ROE) | 7.22% | 27.00% |
| Net Interest Margin (NIM) | 3.74% | 3.89% |
| Yield on Earning Assets | 5.50% | 4.95% |
| Cost of Funds | 1.83% | 1.12% |
Asset quality
| Metric | Farmers Bank and Savings Company, the | ST. Henry Bank, the |
|---|---|---|
| Texas Ratio | 6.97% | 0.82% |
| Non-Performing Loan Ratio | 0.89% | 0.17% |
| Non-Performing Asset Ratio | 0.63% | 0.09% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 0.99% | 1.25% |
Balance sheet
| Metric | Farmers Bank and Savings Company, the | ST. Henry Bank, the |
|---|---|---|
| Total Assets | $477,081K | $447,852K |
| Total Deposits | $427,280K | $394,721K |
| Total Loans | $336,031K | $250,449K |
| Total Equity | $42,896K | $48,693K |
| Net Income (quarter) | $774 | $3,288K |
Liquidity & funding
| Metric | Farmers Bank and Savings Company, the | ST. Henry Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 78.64% | 63.45% |
| Core Deposit Ratio | 89.52% | 92.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Bank and Savings Company, the | ST. Henry Bank, the |
|---|---|---|
| Headquarters City | POMEROY | SAINT HENRY |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 9 | 3 |
| Employees (FTE) | 98 | 27 |
| Established | Dec. 4, 1904, midnight | Jan. 5, 1905, 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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