Bank Comparison
Farmers State Bank vs Bank of Whittier, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers State Bank | Bank of Whittier, N.A. |
|---|---|---|
| CET1 Ratio | 17.99% | — |
| Tier 1 Capital Ratio | 17.99% | — |
| Total Capital Ratio | 19.26% | — |
| Tier 1 Leverage Ratio | 13.87% | 15.38% |
| Equity / Assets | 12.51% | 16.11% |
Profitability
| Metric | Farmers State Bank | Bank of Whittier, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.10% | 0.88% |
| Return on Equity (ROE) | 16.47% | 5.79% |
| Net Interest Margin (NIM) | 5.27% | 2.30% |
| Yield on Earning Assets | 6.22% | 4.77% |
| Cost of Funds | 1.09% | 2.95% |
Asset quality
| Metric | Farmers State Bank | Bank of Whittier, N.A. |
|---|---|---|
| Texas Ratio | 1.00% | 0.00% |
| Non-Performing Loan Ratio | 0.14% | 0.00% |
| Non-Performing Asset Ratio | 0.11% | 0.00% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 2.43% | 2.74% |
Balance sheet
| Metric | Farmers State Bank | Bank of Whittier, N.A. |
|---|---|---|
| Total Assets | $158,983K | $158,847K |
| Total Deposits | $137,688K | $131,032K |
| Total Loans | $123,347K | $86,236K |
| Total Equity | $19,881K | $25,593K |
| Net Income (quarter) | $815 | $368 |
Liquidity & funding
| Metric | Farmers State Bank | Bank of Whittier, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 89.58% | 65.81% |
| Core Deposit Ratio | 90.40% | 68.72% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers State Bank | Bank of Whittier, N.A. |
|---|---|---|
| Headquarters City | DUBLIN | WHITTIER |
| Headquarters State | GA | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 17548 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 31 | 22 |
| Established | Jan. 1, 1934, midnight | Dec. 20, 1982, 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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