Bank Comparison
Farmers Trust and Savings Bank vs Chelsea Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Trust and Savings Bank | Chelsea Savings Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 22.31% | 16.20% |
| Equity / Assets | 21.92% | 11.59% |
Profitability
| Metric | Farmers Trust and Savings Bank | Chelsea Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 2.72% | 1.63% |
| Return on Equity (ROE) | 12.48% | 15.15% |
| Net Interest Margin (NIM) | 4.32% | 3.35% |
| Yield on Earning Assets | 5.68% | 4.74% |
| Cost of Funds | 1.73% | 1.59% |
Asset quality
| Metric | Farmers Trust and Savings Bank | Chelsea Savings Bank |
|---|---|---|
| Texas Ratio | 1.32% | 0.92% |
| Non-Performing Loan Ratio | 0.35% | 0.26% |
| Non-Performing Asset Ratio | 0.29% | 0.11% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 0.41% | 0.72% |
Balance sheet
| Metric | Farmers Trust and Savings Bank | Chelsea Savings Bank |
|---|---|---|
| Total Assets | $198,353K | $198,252K |
| Total Deposits | $152,442K | $174,458K |
| Total Loans | $147,849K | $81,525K |
| Total Equity | $43,477K | $22,969K |
| Net Income (quarter) | $1,345K | $849 |
Liquidity & funding
| Metric | Farmers Trust and Savings Bank | Chelsea Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.99% | 46.73% |
| Core Deposit Ratio | 95.94% | 86.95% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Trust and Savings Bank | Chelsea Savings Bank |
|---|---|---|
| Headquarters City | WILLIAMSBURG | BELLE PLAINE |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 14 | 25 |
| Established | Jan. 1, 1934, midnight | Oct. 19, 1936, 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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