Bank Comparison
Farmers Savings Bank vs First National Bank of Dublin
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 16
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Farmers Savings Bank | First National Bank of Dublin |
|---|---|---|
| CET1 Ratio | — | 16.65% |
| Tier 1 Capital Ratio | — | 16.65% |
| Total Capital Ratio | — | 17.90% |
| Tier 1 Leverage Ratio | 13.39% | 12.35% |
| Equity / Assets | 10.58% | 12.47% |
Profitability
| Metric | Farmers Savings Bank | First National Bank of Dublin |
|---|---|---|
| Return on Assets (ROA) | 0.58% | 2.35% |
| Return on Equity (ROE) | 5.59% | 19.28% |
| Net Interest Margin (NIM) | 3.19% | 5.78% |
| Yield on Earning Assets | 4.98% | 6.50% |
| Cost of Funds | 1.95% | 0.80% |
Asset quality
| Metric | Farmers Savings Bank | First National Bank of Dublin |
|---|---|---|
| Texas Ratio | 3.86% | 0.66% |
| Non-Performing Loan Ratio | 0.68% | 0.10% |
| Non-Performing Asset Ratio | 0.44% | 0.07% |
| Net Charge-Off Ratio | 0.11% | 0.44% |
| ACL / Loans | 1.34% | 1.79% |
Balance sheet
| Metric | Farmers Savings Bank | First National Bank of Dublin |
|---|---|---|
| Total Assets | $133,585K | $133,459K |
| Total Deposits | $112,891K | $116,521K |
| Total Loans | $86,551K | $95,677K |
| Total Equity | $14,138K | $16,645K |
| Net Income (quarter) | $199 | $794 |
Liquidity & funding
| Metric | Farmers Savings Bank | First National Bank of Dublin |
|---|---|---|
| Loan-to-Deposit Ratio | 76.67% | 82.11% |
| Core Deposit Ratio | 91.32% | 95.99% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Savings Bank | First National Bank of Dublin |
|---|---|---|
| Headquarters City | WEVER | DUBLIN |
| Headquarters State | IA | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 20026 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 24 | 33 |
| Established | Oct. 9, 1908, midnight | May 7, 1985, 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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