Bank Comparison
Farmers Savings Bank & Trust vs Embassy National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Farmers Savings Bank & Trust | Embassy National Bank |
|---|---|---|
| CET1 Ratio | 17.50% | 13.47% |
| Tier 1 Capital Ratio | 17.50% | 13.47% |
| Total Capital Ratio | 18.06% | 14.68% |
| Tier 1 Leverage Ratio | 10.27% | 10.83% |
| Equity / Assets | 6.49% | 10.35% |
Profitability
| Metric | Farmers Savings Bank & Trust | Embassy National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 1.57% |
| Return on Equity (ROE) | 18.95% | 14.70% |
| Net Interest Margin (NIM) | 3.22% | 4.73% |
| Yield on Earning Assets | 4.50% | 7.18% |
| Cost of Funds | 1.33% | 2.62% |
Asset quality
| Metric | Farmers Savings Bank & Trust | Embassy National Bank |
|---|---|---|
| Texas Ratio | 0.05% | 0.00% |
| Non-Performing Loan Ratio | 0.01% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 0.64% | 1.18% |
Balance sheet
| Metric | Farmers Savings Bank & Trust | Embassy National Bank |
|---|---|---|
| Total Assets | $232,530K | $232,778K |
| Total Deposits | $212,260K | $204,329K |
| Total Loans | $115,500K | $169,471K |
| Total Equity | $15,093K | $24,083K |
| Net Income (quarter) | $711 | $875 |
Liquidity & funding
| Metric | Farmers Savings Bank & Trust | Embassy National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 54.41% | 82.94% |
| Core Deposit Ratio | 93.50% | 88.91% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Savings Bank & Trust | Embassy National Bank |
|---|---|---|
| Headquarters City | TRAER | LAWRENCEVILLE |
| Headquarters State | IA | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 24679 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 21 | 27 |
| Established | Jan. 1, 1915, midnight | March 5, 2007, 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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