Bank Comparison
Farmers Trust & Savings Bank vs Heritage Bank, N.A.
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 & Savings Bank | Heritage Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | 15.61% |
| Tier 1 Capital Ratio | — | 15.61% |
| Total Capital Ratio | — | 16.87% |
| Tier 1 Leverage Ratio | 10.07% | 10.60% |
| Equity / Assets | 10.18% | 10.48% |
Profitability
| Metric | Farmers Trust & Savings Bank | Heritage Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.38% | -0.53% |
| Return on Equity (ROE) | 12.65% | -5.14% |
| Net Interest Margin (NIM) | 3.65% | 3.58% |
| Yield on Earning Assets | 5.58% | 5.58% |
| Cost of Funds | 2.06% | 2.16% |
Asset quality
| Metric | Farmers Trust & Savings Bank | Heritage Bank, N.A. |
|---|---|---|
| Texas Ratio | 0.76% | 24.24% |
| Non-Performing Loan Ratio | 0.02% | 3.44% |
| Non-Performing Asset Ratio | 0.02% | 2.93% |
| Net Charge-Off Ratio | 0.00% | 0.10% |
| ACL / Loans | 1.59% | 2.03% |
Balance sheet
| Metric | Farmers Trust & Savings Bank | Heritage Bank, N.A. |
|---|---|---|
| Total Assets | $360,859K | $360,782K |
| Total Deposits | $318,573K | $306,134K |
| Total Loans | $327,392K | $305,590K |
| Total Equity | $36,728K | $37,813K |
| Net Income (quarter) | $1,236K | $-491 |
Liquidity & funding
| Metric | Farmers Trust & Savings Bank | Heritage Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 102.77% | 99.82% |
| Core Deposit Ratio | 86.15% | 96.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Trust & Savings Bank | Heritage Bank, N.A. |
|---|---|---|
| Headquarters City | BUFFALO CENTER | SPICER |
| Headquarters State | IA | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 15401 |
| Regulator | FED | OCC |
| Domestic Branches | 6 | 5 |
| Employees (FTE) | 45 | 91 |
| Established | Jan. 1, 1914, midnight | Oct. 8, 1964, 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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