Bank Comparison
Farmers State Bank vs First National Bank of Brooksville, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers State Bank | First National Bank of Brooksville, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.33% | 11.39% |
| Equity / Assets | 10.07% | 10.95% |
Profitability
| Metric | Farmers State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Return on Assets (ROA) | 1.82% | 1.04% |
| Return on Equity (ROE) | 17.79% | 9.58% |
| Net Interest Margin (NIM) | 3.79% | 4.24% |
| Yield on Earning Assets | 5.34% | 5.15% |
| Cost of Funds | 1.74% | 0.99% |
Asset quality
| Metric | Farmers State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Texas Ratio | 0.33% | 3.05% |
| Non-Performing Loan Ratio | 0.07% | 0.22% |
| Non-Performing Asset Ratio | 0.03% | 0.12% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 0.97% | 1.08% |
Balance sheet
| Metric | Farmers State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Total Assets | $74,437K | $74,334K |
| Total Deposits | $66,555K | $65,823K |
| Total Loans | $38,793K | $40,926K |
| Total Equity | $7,498K | $8,140K |
| Net Income (quarter) | $342 | $195 |
Liquidity & funding
| Metric | Farmers State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Loan-to-Deposit Ratio | 58.29% | 62.18% |
| Core Deposit Ratio | 86.01% | 98.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers State Bank | First National Bank of Brooksville, the |
|---|---|---|
| Headquarters City | YALE | BROOKSVILLE |
| Headquarters State | IA | KY |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 8830 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 5 | 16 |
| Established | March 21, 1921, midnight | July 7, 1907, 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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