Bank Comparison
Farmers Trust & Savings Bank vs Federation Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Trust & Savings Bank | Federation Bank |
|---|---|---|
| CET1 Ratio | 13.81% | — |
| Tier 1 Capital Ratio | 13.81% | — |
| Total Capital Ratio | 14.81% | — |
| Tier 1 Leverage Ratio | 9.09% | 10.52% |
| Equity / Assets | 9.01% | 9.69% |
Profitability
| Metric | Farmers Trust & Savings Bank | Federation Bank |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 2.12% |
| Return on Equity (ROE) | 18.35% | 21.91% |
| Net Interest Margin (NIM) | 3.85% | 4.80% |
| Yield on Earning Assets | 5.31% | 5.94% |
| Cost of Funds | 1.57% | 1.17% |
Asset quality
| Metric | Farmers Trust & Savings Bank | Federation Bank |
|---|---|---|
| Texas Ratio | 0.27% | 2.29% |
| Non-Performing Loan Ratio | 0.04% | 0.22% |
| Non-Performing Asset Ratio | 0.03% | 0.12% |
| Net Charge-Off Ratio | -0.01% | -0.13% |
| ACL / Loans | 1.04% | 1.49% |
Balance sheet
| Metric | Farmers Trust & Savings Bank | Federation Bank |
|---|---|---|
| Total Assets | $149,941K | $151,163K |
| Total Deposits | $136,040K | $132,017K |
| Total Loans | $94,390K | $81,294K |
| Total Equity | $13,505K | $14,648K |
| Net Income (quarter) | $616 | $798 |
Liquidity & funding
| Metric | Farmers Trust & Savings Bank | Federation Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.38% | 61.58% |
| Core Deposit Ratio | 93.76% | 95.03% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Trust & Savings Bank | Federation Bank |
|---|---|---|
| Headquarters City | EARLING | WASHINGTON |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 18 | 23 |
| Established | Jan. 1, 1892, midnight | Nov. 1, 1906, 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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