Bank Comparison
Farmers State Bank vs First Bank Midwest
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Farmers State Bank | First Bank Midwest |
|---|---|---|
| CET1 Ratio | 16.96% | 13.37% |
| Tier 1 Capital Ratio | 16.96% | 13.37% |
| Total Capital Ratio | 17.98% | 14.62% |
| Tier 1 Leverage Ratio | 10.77% | 11.10% |
| Equity / Assets | 10.03% | 8.86% |
Profitability
| Metric | Farmers State Bank | First Bank Midwest |
|---|---|---|
| Return on Assets (ROA) | 1.76% | 0.76% |
| Return on Equity (ROE) | 17.80% | 8.64% |
| Net Interest Margin (NIM) | 3.94% | 3.05% |
| Yield on Earning Assets | 5.25% | 5.64% |
| Cost of Funds | 1.41% | 2.86% |
Asset quality
| Metric | Farmers State Bank | First Bank Midwest |
|---|---|---|
| Texas Ratio | 3.85% | 11.72% |
| Non-Performing Loan Ratio | 0.57% | 1.33% |
| Non-Performing Asset Ratio | 0.40% | 1.05% |
| Net Charge-Off Ratio | 0.04% | 0.13% |
| ACL / Loans | 0.93% | 1.41% |
Balance sheet
| Metric | Farmers State Bank | First Bank Midwest |
|---|---|---|
| Total Assets | $1,260M | $1,513M |
| Total Deposits | $1,110M | $1,111M |
| Total Loans | $894,837K | $1,191M |
| Total Equity | $126,491K | $134,075K |
| Net Income (quarter) | $5,606K | $2,917K |
Liquidity & funding
| Metric | Farmers State Bank | First Bank Midwest |
|---|---|---|
| Loan-to-Deposit Ratio | 80.57% | 107.14% |
| Core Deposit Ratio | 89.89% | 71.71% |
| Uninsured Deposit Ratio | 42.32% | 22.30% |
Identity
| Metric | Farmers State Bank | First Bank Midwest |
|---|---|---|
| Headquarters City | LAGRANGE | RICHMOND |
| Headquarters State | IN | IN |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 14 |
| Employees (FTE) | 148 | 173 |
| Established | July 16, 1934, midnight | Jan. 1, 1887, 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 March 31, 2026. 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.
View full Farmers State Bank profile | View full First Bank Midwest profile | Browse all bank comparisons