Bank Comparison
Farmers State Bank of Medora vs Sainte Marie State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers State Bank of Medora | Sainte Marie State Bank |
|---|---|---|
| CET1 Ratio | 22.02% | — |
| Tier 1 Capital Ratio | 22.02% | — |
| Total Capital Ratio | 22.49% | — |
| Tier 1 Leverage Ratio | 13.12% | 18.45% |
| Equity / Assets | 10.52% | 17.66% |
Profitability
| Metric | Farmers State Bank of Medora | Sainte Marie State Bank |
|---|---|---|
| Return on Assets (ROA) | -0.19% | 0.90% |
| Return on Equity (ROE) | -1.86% | 4.93% |
| Net Interest Margin (NIM) | 2.80% | 4.52% |
| Yield on Earning Assets | 3.59% | 6.18% |
| Cost of Funds | 0.83% | 1.65% |
Asset quality
| Metric | Farmers State Bank of Medora | Sainte Marie State Bank |
|---|---|---|
| Texas Ratio | 5.69% | 6.68% |
| Non-Performing Loan Ratio | 0.08% | 2.94% |
| Non-Performing Asset Ratio | 0.03% | 1.21% |
| Net Charge-Off Ratio | 0.00% | 1.39% |
| ACL / Loans | 0.90% | 1.14% |
Balance sheet
| Metric | Farmers State Bank of Medora | Sainte Marie State Bank |
|---|---|---|
| Total Assets | $22,443K | $20,729K |
| Total Deposits | $19,953K | $16,876K |
| Total Loans | $7,293K | $8,538K |
| Total Equity | $2,360K | $3,661K |
| Net Income (quarter) | $-11 | $45 |
Liquidity & funding
| Metric | Farmers State Bank of Medora | Sainte Marie State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 36.55% | 50.59% |
| Core Deposit Ratio | 96.99% | 92.53% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers State Bank of Medora | Sainte Marie State Bank |
|---|---|---|
| Headquarters City | MEDORA | SAINTE MARIE |
| Headquarters State | IL | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 5 | 8 |
| Established | Sept. 9, 1912, 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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