Bank Comparison
Farmers & Merchants Bank vs Greene County Commercial Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 13
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Farmers & Merchants Bank | Greene County Commercial Bank |
|---|---|---|
| CET1 Ratio | 13.18% | 46.42% |
| Tier 1 Capital Ratio | 13.18% | 46.42% |
| Total Capital Ratio | 14.10% | 46.42% |
| Tier 1 Leverage Ratio | 8.84% | 9.52% |
| Equity / Assets | 7.80% | 8.59% |
Profitability
| Metric | Farmers & Merchants Bank | Greene County Commercial Bank |
|---|---|---|
| Return on Assets (ROA) | 0.93% | 1.28% |
| Return on Equity (ROE) | 12.04% | 14.94% |
| Net Interest Margin (NIM) | 3.52% | 1.88% |
| Yield on Earning Assets | 5.30% | 3.93% |
| Cost of Funds | 1.85% | 2.28% |
Asset quality
| Metric | Farmers & Merchants Bank | Greene County Commercial Bank |
|---|---|---|
| Texas Ratio | 8.93% | 0.00% |
| Non-Performing Loan Ratio | 1.14% | — |
| Non-Performing Asset Ratio | 0.73% | 0.00% |
| Net Charge-Off Ratio | 0.09% | — |
| ACL / Loans | 0.88% | — |
Balance sheet
| Metric | Farmers & Merchants Bank | Greene County Commercial Bank |
|---|---|---|
| Total Assets | $1,407M | $1,411M |
| Total Deposits | $1,283M | $1,289M |
| Total Loans | $900,558K | $0 |
| Total Equity | $109,749K | $121,225K |
| Net Income (quarter) | $3,278K | $4,449K |
Liquidity & funding
| Metric | Farmers & Merchants Bank | Greene County Commercial Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.15% | 0.00% |
| Core Deposit Ratio | 97.10% | 96.71% |
| Uninsured Deposit Ratio | 13.85% | 90.76% |
Identity
| Metric | Farmers & Merchants Bank | Greene County Commercial Bank |
|---|---|---|
| Headquarters City | TIMBERVILLE | CATSKILL |
| Headquarters State | VA | NY |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 15 | 1 |
| Employees (FTE) | 179 | 0 |
| Established | Jan. 1, 1908, midnight | May 20, 2004, 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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