Bank Comparison
Farmers State Bank of Waupaca, the vs Primebank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Farmers State Bank of Waupaca, the | Primebank of Texas |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.96% | 11.57% |
| Equity / Assets | 10.30% | 12.01% |
Profitability
| Metric | Farmers State Bank of Waupaca, the | Primebank of Texas |
|---|---|---|
| Return on Assets (ROA) | 1.45% | 1.65% |
| Return on Equity (ROE) | 14.52% | 14.28% |
| Net Interest Margin (NIM) | 4.08% | 4.21% |
| Yield on Earning Assets | 5.21% | 6.06% |
| Cost of Funds | 1.25% | 2.00% |
Asset quality
| Metric | Farmers State Bank of Waupaca, the | Primebank of Texas |
|---|---|---|
| Texas Ratio | 0.06% | 1.07% |
| Non-Performing Loan Ratio | 0.01% | 0.19% |
| Non-Performing Asset Ratio | 0.01% | 0.12% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 1.30% | 1.08% |
Balance sheet
| Metric | Farmers State Bank of Waupaca, the | Primebank of Texas |
|---|---|---|
| Total Assets | $275,930K | $275,404K |
| Total Deposits | $242,233K | $241,338K |
| Total Loans | $167,960K | $175,347K |
| Total Equity | $28,407K | $33,088K |
| Net Income (quarter) | $1,027K | $1,163K |
Liquidity & funding
| Metric | Farmers State Bank of Waupaca, the | Primebank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 69.34% | 72.66% |
| Core Deposit Ratio | 94.39% | 94.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers State Bank of Waupaca, the | Primebank of Texas |
|---|---|---|
| Headquarters City | WAUPACA | AUSTIN |
| Headquarters State | WI | TX |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 40 | 27 |
| Established | Jan. 11, 1911, midnight | May 9, 2003, 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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