Bank Comparison
Farmers & Merchants Savings Bank vs Citizens National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 4
winning metrics across 13 scored rows (4 tied)
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Farmers & Merchants Savings Bank | Citizens National Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.62% | 12.14% |
| Equity / Assets | 13.99% | 9.39% |
Profitability
| Metric | Farmers & Merchants Savings Bank | Citizens National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.07% | 0.68% |
| Return on Equity (ROE) | 7.78% | 6.55% |
| Net Interest Margin (NIM) | 3.53% | 3.86% |
| Yield on Earning Assets | 5.18% | 4.46% |
| Cost of Funds | 1.80% | 0.65% |
Asset quality
| Metric | Farmers & Merchants Savings Bank | Citizens National Bank |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.29% | 1.54% |
Balance sheet
| Metric | Farmers & Merchants Savings Bank | Citizens National Bank |
|---|---|---|
| Total Assets | $122.5M | $122.6M |
| Total Deposits | $102.7M | $109.1M |
| Total Loans | $79.5M | $38.6M |
| Total Equity | $17.1M | $11.5M |
| Net Income (quarter) | $331K | $191K |
Liquidity & funding
| Metric | Farmers & Merchants Savings Bank | Citizens National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.36% | 35.35% |
| Core Deposit Ratio | 90.92% | 99.10% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers & Merchants Savings Bank | Citizens National Bank |
|---|---|---|
| Headquarters City | Iowa City | Crockett |
| Headquarters State | IA | TX |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 15 | 14 |
| Established | September 25, 1901 | September 7, 1982 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Farmers & Merchants Savings Bank profile | View full Citizens National Bank profile | Browse all bank comparisons