Bank Comparison
Fayette Savings Bank, Ssb vs Eaton Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Fayette Savings Bank, Ssb | Eaton Community Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.74% | 12.84% |
| Equity / Assets | 9.53% | 12.13% |
Profitability
| Metric | Fayette Savings Bank, Ssb | Eaton Community Bank |
|---|---|---|
| Return on Assets (ROA) | 1.88% | 0.72% |
| Return on Equity (ROE) | 19.34% | 5.89% |
| Net Interest Margin (NIM) | 3.67% | 3.43% |
| Yield on Earning Assets | 5.87% | 5.32% |
| Cost of Funds | 2.35% | 2.01% |
Asset quality
| Metric | Fayette Savings Bank, Ssb | Eaton Community Bank |
|---|---|---|
| Texas Ratio | 0.06% | 6.84% |
| Non-Performing Loan Ratio | 0.00% | 1.28% |
| Non-Performing Asset Ratio | 0.00% | 0.80% |
| Net Charge-Off Ratio | 0.00% | 2.10% |
| ACL / Loans | 0.85% | 0.91% |
Balance sheet
| Metric | Fayette Savings Bank, Ssb | Eaton Community Bank |
|---|---|---|
| Total Assets | $533,102K | $534,152K |
| Total Deposits | $480,291K | $452,047K |
| Total Loans | $406,248K | $332,560K |
| Total Equity | $50,805K | $64,796K |
| Net Income (quarter) | $2,401K | $952 |
Liquidity & funding
| Metric | Fayette Savings Bank, Ssb | Eaton Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.58% | 73.57% |
| Core Deposit Ratio | 78.56% | 92.09% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fayette Savings Bank, Ssb | Eaton Community Bank |
|---|---|---|
| Headquarters City | LA GRANGE | CHARLOTTE |
| Headquarters State | TX | MI |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 704194 |
| Regulator | FDIC | OCC |
| Domestic Branches | 5 | 7 |
| Employees (FTE) | 43 | 88 |
| Established | Jan. 1, 1976, midnight | Jan. 1, 1936, 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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