Bank Comparison
Farmers & Merchants Bank of North Dakota vs Key Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers & Merchants Bank of North Dakota | Key Community Bank |
|---|---|---|
| CET1 Ratio | 19.17% | — |
| Tier 1 Capital Ratio | 19.17% | — |
| Total Capital Ratio | 19.85% | — |
| Tier 1 Leverage Ratio | 10.95% | 10.65% |
| Equity / Assets | 9.76% | 10.07% |
Profitability
| Metric | Farmers & Merchants Bank of North Dakota | Key Community Bank |
|---|---|---|
| Return on Assets (ROA) | 0.61% | -1.97% |
| Return on Equity (ROE) | 6.13% | -20.07% |
| Net Interest Margin (NIM) | 3.13% | 4.27% |
| Yield on Earning Assets | 4.60% | 6.01% |
| Cost of Funds | 1.52% | 1.81% |
Asset quality
| Metric | Farmers & Merchants Bank of North Dakota | Key Community Bank |
|---|---|---|
| Texas Ratio | 8.79% | 26.46% |
| Non-Performing Loan Ratio | 2.16% | 3.10% |
| Non-Performing Asset Ratio | 0.78% | 3.16% |
| Net Charge-Off Ratio | -0.03% | 0.00% |
| ACL / Loans | 1.06% | 2.17% |
Balance sheet
| Metric | Farmers & Merchants Bank of North Dakota | Key Community Bank |
|---|---|---|
| Total Assets | $123,986K | $123,778K |
| Total Deposits | $111,438K | $102,024K |
| Total Loans | $44,804K | $106,618K |
| Total Equity | $12,104K | $12,467K |
| Net Income (quarter) | $190 | $-577 |
Liquidity & funding
| Metric | Farmers & Merchants Bank of North Dakota | Key Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 40.21% | 104.50% |
| Core Deposit Ratio | 90.47% | 87.54% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers & Merchants Bank of North Dakota | Key Community Bank |
|---|---|---|
| Headquarters City | TOLNA | INVER GROVE HEIGHTS |
| Headquarters State | ND | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 18 | 13 |
| Established | Aug. 1, 1917, midnight | May 20, 1998, 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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