Bank Comparison
Farmers Trust and Savings Bank vs New Haven Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 6
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Farmers Trust and Savings Bank | New Haven Bank |
|---|---|---|
| CET1 Ratio | — | 10.60% |
| Tier 1 Capital Ratio | — | 10.60% |
| Total Capital Ratio | — | 11.84% |
| Tier 1 Leverage Ratio | 22.31% | 8.25% |
| Equity / Assets | 21.92% | 8.03% |
Profitability
| Metric | Farmers Trust and Savings Bank | New Haven Bank |
|---|---|---|
| Return on Assets (ROA) | 2.72% | 0.12% |
| Return on Equity (ROE) | 12.48% | 1.48% |
| Net Interest Margin (NIM) | 4.32% | 3.15% |
| Yield on Earning Assets | 5.68% | 5.43% |
| Cost of Funds | 1.73% | 2.45% |
Asset quality
| Metric | Farmers Trust and Savings Bank | New Haven Bank |
|---|---|---|
| Texas Ratio | 1.32% | 2.96% |
| Non-Performing Loan Ratio | 0.35% | 0.31% |
| Non-Performing Asset Ratio | 0.29% | 0.27% |
| Net Charge-Off Ratio | -0.01% | 0.04% |
| ACL / Loans | 0.41% | 1.13% |
Balance sheet
| Metric | Farmers Trust and Savings Bank | New Haven Bank |
|---|---|---|
| Total Assets | $198,353K | $198,218K |
| Total Deposits | $152,442K | $153,498K |
| Total Loans | $147,849K | $168,766K |
| Total Equity | $43,477K | $15,913K |
| Net Income (quarter) | $1,345K | $59 |
Liquidity & funding
| Metric | Farmers Trust and Savings Bank | New Haven Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.99% | 109.95% |
| Core Deposit Ratio | 95.94% | 85.12% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Trust and Savings Bank | New Haven Bank |
|---|---|---|
| Headquarters City | WILLIAMSBURG | NEW HAVEN |
| Headquarters State | IA | CT |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 14 | 23 |
| Established | Jan. 1, 1934, midnight | Dec. 20, 2010, 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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