Bank Comparison
Farmers Savings Bank & Trust vs Idaho Trust Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 15
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Farmers Savings Bank & Trust | Idaho Trust Bank |
|---|---|---|
| CET1 Ratio | 17.50% | 14.38% |
| Tier 1 Capital Ratio | 17.50% | 14.38% |
| Total Capital Ratio | 18.06% | 15.50% |
| Tier 1 Leverage Ratio | 10.27% | 11.36% |
| Equity / Assets | 6.49% | 11.17% |
Profitability
| Metric | Farmers Savings Bank & Trust | Idaho Trust Bank |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 0.92% |
| Return on Equity (ROE) | 18.95% | 8.22% |
| Net Interest Margin (NIM) | 3.22% | 4.18% |
| Yield on Earning Assets | 4.50% | 5.38% |
| Cost of Funds | 1.33% | 1.29% |
Asset quality
| Metric | Farmers Savings Bank & Trust | Idaho Trust 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% | 1.23% |
Balance sheet
| Metric | Farmers Savings Bank & Trust | Idaho Trust Bank |
|---|---|---|
| Total Assets | $232,530K | $232,618K |
| Total Deposits | $212,260K | $202,954K |
| Total Loans | $115,500K | $161,637K |
| Total Equity | $15,093K | $25,991K |
| Net Income (quarter) | $711 | $529 |
Liquidity & funding
| Metric | Farmers Savings Bank & Trust | Idaho Trust Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 54.41% | 79.64% |
| Core Deposit Ratio | 93.50% | 99.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Savings Bank & Trust | Idaho Trust Bank |
|---|---|---|
| Headquarters City | TRAER | BOISE |
| Headquarters State | IA | ID |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 21 | 37 |
| Established | Jan. 1, 1915, midnight | Aug. 30, 1994, 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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