Bank Comparison
Farmers Trust & Savings Bank vs Schuyler Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Trust & Savings Bank | Schuyler Savings Bank |
|---|---|---|
| CET1 Ratio | 13.81% | — |
| Tier 1 Capital Ratio | 13.81% | — |
| Total Capital Ratio | 14.81% | — |
| Tier 1 Leverage Ratio | 9.09% | 13.95% |
| Equity / Assets | 9.01% | 14.05% |
Profitability
| Metric | Farmers Trust & Savings Bank | Schuyler Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 0.21% |
| Return on Equity (ROE) | 18.35% | 1.46% |
| Net Interest Margin (NIM) | 3.85% | 2.48% |
| Yield on Earning Assets | 5.31% | 4.67% |
| Cost of Funds | 1.57% | 2.56% |
Asset quality
| Metric | Farmers Trust & Savings Bank | Schuyler Savings Bank |
|---|---|---|
| Texas Ratio | 0.27% | 2.96% |
| Non-Performing Loan Ratio | 0.04% | 0.53% |
| Non-Performing Asset Ratio | 0.03% | 0.44% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.04% | 0.85% |
Balance sheet
| Metric | Farmers Trust & Savings Bank | Schuyler Savings Bank |
|---|---|---|
| Total Assets | $149,941K | $149,725K |
| Total Deposits | $136,040K | $116,641K |
| Total Loans | $94,390K | $122,714K |
| Total Equity | $13,505K | $21,042K |
| Net Income (quarter) | $616 | $77 |
Liquidity & funding
| Metric | Farmers Trust & Savings Bank | Schuyler Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 69.38% | 105.21% |
| Core Deposit Ratio | 93.76% | 74.62% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Trust & Savings Bank | Schuyler Savings Bank |
|---|---|---|
| Headquarters City | EARLING | KEARNY |
| Headquarters State | IA | NJ |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 18 | 15 |
| Established | Jan. 1, 1892, midnight | Jan. 1, 1924, 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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