Bank Comparison
Farmers Bank of Lohman vs Sherwood Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Bank of Lohman | Sherwood Community Bank |
|---|---|---|
| CET1 Ratio | — | 12.06% |
| Tier 1 Capital Ratio | — | 12.06% |
| Total Capital Ratio | — | 12.91% |
| Tier 1 Leverage Ratio | 17.14% | 8.26% |
| Equity / Assets | 15.14% | 7.67% |
Profitability
| Metric | Farmers Bank of Lohman | Sherwood Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.05% | 1.27% |
| Return on Equity (ROE) | 6.96% | 16.94% |
| Net Interest Margin (NIM) | 2.98% | 4.26% |
| Yield on Earning Assets | 4.04% | 5.52% |
| Cost of Funds | 1.20% | 1.35% |
Asset quality
| Metric | Farmers Bank of Lohman | Sherwood Community Bank |
|---|---|---|
| Texas Ratio | 0.05% | 26.25% |
| Non-Performing Loan Ratio | 0.00% | 2.37% |
| Non-Performing Asset Ratio | 0.00% | 1.58% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 0.84% | 0.79% |
Balance sheet
| Metric | Farmers Bank of Lohman | Sherwood Community Bank |
|---|---|---|
| Total Assets | $81,009K | $77,742K |
| Total Deposits | $68,353K | $71,679K |
| Total Loans | $25,054K | $51,705K |
| Total Equity | $12,263K | $5,962K |
| Net Income (quarter) | $215 | $245 |
Liquidity & funding
| Metric | Farmers Bank of Lohman | Sherwood Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 36.65% | 72.13% |
| Core Deposit Ratio | 98.16% | 95.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Bank of Lohman | Sherwood Community Bank |
|---|---|---|
| Headquarters City | JEFFERSON CITY | CREIGHTON |
| Headquarters State | MO | MO |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 9 | 19 |
| Established | Feb. 23, 1909, midnight | June 6, 1902, 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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