Bank Comparison
Farmers & Merchants State Bank, the vs Manasquan Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
21 · 3
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Farmers & Merchants State Bank, the | Manasquan Bank |
|---|---|---|
| CET1 Ratio | 11.74% | 11.13% |
| Tier 1 Capital Ratio | 11.74% | 11.13% |
| Total Capital Ratio | 12.81% | 12.07% |
| Tier 1 Leverage Ratio | 9.57% | 9.65% |
| Equity / Assets | 11.35% | 9.42% |
Profitability
| Metric | Farmers & Merchants State Bank, the | Manasquan Bank |
|---|---|---|
| Return on Assets (ROA) | 1.17% | 0.39% |
| Return on Equity (ROE) | 10.12% | 4.14% |
| Net Interest Margin (NIM) | 3.46% | 3.12% |
| Yield on Earning Assets | 5.41% | 5.20% |
| Cost of Funds | 2.06% | 2.24% |
Asset quality
| Metric | Farmers & Merchants State Bank, the | Manasquan Bank |
|---|---|---|
| Texas Ratio | 3.44% | 9.62% |
| Non-Performing Loan Ratio | 0.41% | 1.17% |
| Non-Performing Asset Ratio | 0.33% | 0.97% |
| Net Charge-Off Ratio | 0.02% | 0.58% |
| ACL / Loans | 1.04% | 0.85% |
Balance sheet
| Metric | Farmers & Merchants State Bank, the | Manasquan Bank |
|---|---|---|
| Total Assets | $3,479M | $3,459M |
| Total Deposits | $2,815M | $2,994M |
| Total Loans | $2,687M | $2,888M |
| Total Equity | $394,985K | $325,946K |
| Net Income (quarter) | $9,968K | $3,317K |
Liquidity & funding
| Metric | Farmers & Merchants State Bank, the | Manasquan Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.45% | 96.44% |
| Core Deposit Ratio | 93.94% | 86.65% |
| Uninsured Deposit Ratio | 11.94% | 30.98% |
Identity
| Metric | Farmers & Merchants State Bank, the | Manasquan Bank |
|---|---|---|
| Headquarters City | ARCHBOLD | WALL TOWNSHIP |
| Headquarters State | OH | NJ |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 41 | 15 |
| Employees (FTE) | 473 | 262 |
| Established | April 1, 1897, midnight | Jan. 1, 1874, 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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