Bank Comparison
Farmers & Merchants Savings Bank vs Cedar Valley Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers & Merchants Savings Bank | Cedar Valley Bank & Trust |
|---|---|---|
| CET1 Ratio | — | 12.14% |
| Tier 1 Capital Ratio | — | 12.14% |
| Total Capital Ratio | — | 13.07% |
| Tier 1 Leverage Ratio | 13.38% | 8.93% |
| Equity / Assets | 13.63% | 8.95% |
Profitability
| Metric | Farmers & Merchants Savings Bank | Cedar Valley Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.93% | 1.21% |
| Return on Equity (ROE) | 6.73% | 13.74% |
| Net Interest Margin (NIM) | 3.35% | 4.45% |
| Yield on Earning Assets | 5.01% | 5.87% |
| Cost of Funds | 1.82% | 1.53% |
Asset quality
| Metric | Farmers & Merchants Savings Bank | Cedar Valley Bank & Trust |
|---|---|---|
| Texas Ratio | 0.00% | 15.80% |
| Non-Performing Loan Ratio | 0.00% | 0.75% |
| Non-Performing Asset Ratio | 0.00% | 0.69% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 1.28% | 0.74% |
Balance sheet
| Metric | Farmers & Merchants Savings Bank | Cedar Valley Bank & Trust |
|---|---|---|
| Total Assets | $123,935K | $123,205K |
| Total Deposits | $104,415K | $111,835K |
| Total Loans | $80,443K | $112,809K |
| Total Equity | $16,898K | $11,025K |
| Net Income (quarter) | $286 | $375 |
Liquidity & funding
| Metric | Farmers & Merchants Savings Bank | Cedar Valley Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 77.04% | 100.87% |
| Core Deposit Ratio | 91.17% | 90.61% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers & Merchants Savings Bank | Cedar Valley Bank & Trust |
|---|---|---|
| Headquarters City | IOWA CITY | LA PORTE CITY |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 15 | 18 |
| Established | Sept. 25, 1901, midnight | July 6, 1906, 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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