Bank Comparison
Farmers Trust and Savings Bank vs Keen Bank, N.A.
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 Trust and Savings Bank | Keen Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | 12.54% |
| Tier 1 Capital Ratio | — | 12.54% |
| Total Capital Ratio | — | 13.79% |
| Tier 1 Leverage Ratio | 22.31% | 8.53% |
| Equity / Assets | 21.92% | 8.51% |
Profitability
| Metric | Farmers Trust and Savings Bank | Keen Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.72% | 1.97% |
| Return on Equity (ROE) | 12.48% | 23.81% |
| Net Interest Margin (NIM) | 4.32% | 4.94% |
| Yield on Earning Assets | 5.68% | 6.28% |
| Cost of Funds | 1.73% | 1.43% |
Asset quality
| Metric | Farmers Trust and Savings Bank | Keen Bank, N.A. |
|---|---|---|
| Texas Ratio | 1.32% | 0.26% |
| Non-Performing Loan Ratio | 0.35% | 0.00% |
| Non-Performing Asset Ratio | 0.29% | 0.00% |
| Net Charge-Off Ratio | -0.01% | 0.01% |
| ACL / Loans | 0.41% | 1.28% |
Balance sheet
| Metric | Farmers Trust and Savings Bank | Keen Bank, N.A. |
|---|---|---|
| Total Assets | $198,353K | $198,453K |
| Total Deposits | $152,442K | $178,755K |
| Total Loans | $147,849K | $147,661K |
| Total Equity | $43,477K | $16,883K |
| Net Income (quarter) | $1,345K | $982 |
Liquidity & funding
| Metric | Farmers Trust and Savings Bank | Keen Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 96.99% | 82.61% |
| Core Deposit Ratio | 95.94% | 91.54% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Trust and Savings Bank | Keen Bank, N.A. |
|---|---|---|
| Headquarters City | WILLIAMSBURG | WASECA |
| Headquarters State | IA | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 6544 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 14 | 35 |
| Established | Jan. 1, 1934, midnight | Dec. 18, 1902, 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.
View full Farmers Trust and Savings Bank profile | View full Keen Bank, N.A. profile | Browse all bank comparisons