Bank Comparison
Farmers Bank of Appomattox, the vs Banner Capital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Farmers Bank of Appomattox, the | Banner Capital Bank |
|---|---|---|
| CET1 Ratio | 18.21% | 12.20% |
| Tier 1 Capital Ratio | 18.21% | 12.20% |
| Total Capital Ratio | 18.88% | 13.45% |
| Tier 1 Leverage Ratio | 12.37% | 10.76% |
| Equity / Assets | 10.33% | 10.84% |
Profitability
| Metric | Farmers Bank of Appomattox, the | Banner Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 0.70% | 1.64% |
| Return on Equity (ROE) | 6.72% | 15.20% |
| Net Interest Margin (NIM) | 4.00% | 4.43% |
| Yield on Earning Assets | 5.47% | 6.61% |
| Cost of Funds | 1.57% | 2.36% |
Asset quality
| Metric | Farmers Bank of Appomattox, the | Banner Capital Bank |
|---|---|---|
| Texas Ratio | 4.19% | 5.87% |
| Non-Performing Loan Ratio | 0.66% | 0.60% |
| Non-Performing Asset Ratio | 0.45% | 0.66% |
| Net Charge-Off Ratio | 0.63% | 0.00% |
| ACL / Loans | 0.64% | 1.32% |
Balance sheet
| Metric | Farmers Bank of Appomattox, the | Banner Capital Bank |
|---|---|---|
| Total Assets | $369,001K | $368,899K |
| Total Deposits | $323,503K | $327,565K |
| Total Loans | $252,091K | $297,451K |
| Total Equity | $38,132K | $39,996K |
| Net Income (quarter) | $647 | $1,523K |
Liquidity & funding
| Metric | Farmers Bank of Appomattox, the | Banner Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.93% | 90.81% |
| Core Deposit Ratio | 92.34% | 88.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Bank of Appomattox, the | Banner Capital Bank |
|---|---|---|
| Headquarters City | APPOMATTOX | HARRISBURG |
| Headquarters State | VA | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 6 | 7 |
| Employees (FTE) | 71 | 55 |
| Established | Sept. 16, 1918, midnight | Oct. 10, 1964, 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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