Bank Comparison
Farmers State Bank vs Sound Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 14
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Farmers State Bank | Sound Banking Company |
|---|---|---|
| CET1 Ratio | — | 16.84% |
| Tier 1 Capital Ratio | — | 16.84% |
| Total Capital Ratio | — | 18.10% |
| Tier 1 Leverage Ratio | 11.82% | 13.06% |
| Equity / Assets | 9.18% | 13.71% |
Profitability
| Metric | Farmers State Bank | Sound Banking Company |
|---|---|---|
| Return on Assets (ROA) | 0.77% | 2.31% |
| Return on Equity (ROE) | 8.28% | 18.09% |
| Net Interest Margin (NIM) | 3.44% | 6.60% |
| Yield on Earning Assets | 5.00% | 7.91% |
| Cost of Funds | 1.75% | 1.35% |
Asset quality
| Metric | Farmers State Bank | Sound Banking Company |
|---|---|---|
| Texas Ratio | 8.74% | 0.23% |
| 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% | 1.75% |
Balance sheet
| Metric | Farmers State Bank | Sound Banking Company |
|---|---|---|
| Total Assets | $42,506K | $42,384K |
| Total Deposits | $35,037K | $36,448K |
| Total Loans | $22,141K | $36,176K |
| Total Equity | $3,903K | $5,812K |
| Net Income (quarter) | $83 | $257 |
Liquidity & funding
| Metric | Farmers State Bank | Sound Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 63.19% | 99.25% |
| Core Deposit Ratio | 94.61% | 69.73% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers State Bank | Sound Banking Company |
|---|---|---|
| Headquarters City | PHILLIPSBURG | LAKEWOOD |
| Headquarters State | KS | WA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 5 | 5 |
| Established | Jan. 1, 1909, midnight | Nov. 1, 1990, 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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