Bank Comparison
Farmers State Bank vs Defiance State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 11
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Farmers State Bank | Defiance State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.82% | 9.79% |
| Equity / Assets | 9.18% | 9.71% |
Profitability
| Metric | Farmers State Bank | Defiance State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 0.69% |
| Return on Equity (ROE) | 8.28% | 7.14% |
| Net Interest Margin (NIM) | 3.44% | 3.83% |
| Yield on Earning Assets | 5.00% | 5.19% |
| Cost of Funds | 1.75% | 1.43% |
Asset quality
| Metric | Farmers State Bank | Defiance State Bank |
|---|---|---|
| Texas Ratio | 8.74% | 0.62% |
| Non-Performing Loan Ratio | 1.70% | 0.00% |
| Non-Performing Asset Ratio | 0.89% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.85% | 0.62% |
Balance sheet
| Metric | Farmers State Bank | Defiance State Bank |
|---|---|---|
| Total Assets | $42,506K | $42,492K |
| Total Deposits | $35,037K | $33,675K |
| Total Loans | $22,141K | $32,049K |
| Total Equity | $3,903K | $4,128K |
| Net Income (quarter) | $83 | $73 |
Liquidity & funding
| Metric | Farmers State Bank | Defiance State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 63.19% | 95.17% |
| Core Deposit Ratio | 94.61% | 88.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers State Bank | Defiance State Bank |
|---|---|---|
| Headquarters City | PHILLIPSBURG | DEFIANCE |
| Headquarters State | KS | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 5 | 7 |
| Established | Jan. 1, 1909, midnight | Sept. 1, 1951, 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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