Bank Comparison
First American Bank vs Farmers and Merchants State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First American Bank | Farmers and Merchants State Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.66% | 11.72% |
| Equity / Assets | 12.66% | 9.37% |
Profitability
| Metric | First American Bank | Farmers and Merchants State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 1.31% |
| Return on Equity (ROE) | 9.83% | 13.77% |
| Net Interest Margin (NIM) | 4.67% | 4.27% |
| Yield on Earning Assets | 5.75% | 5.20% |
| Cost of Funds | 1.21% | 1.03% |
Asset quality
| Metric | First American Bank | Farmers and Merchants State Bank, the |
|---|---|---|
| Texas Ratio | 7.04% | 0.44% |
| Non-Performing Loan Ratio | 1.42% | 0.00% |
| Non-Performing Asset Ratio | 0.98% | 0.00% |
| Net Charge-Off Ratio | -0.18% | -0.03% |
| ACL / Loans | 2.01% | 1.73% |
Balance sheet
| Metric | First American Bank | Farmers and Merchants State Bank, the |
|---|---|---|
| Total Assets | $36,111K | $36,116K |
| Total Deposits | $31,432K | $32,592K |
| Total Loans | $22,577K | $12,578K |
| Total Equity | $4,572K | $3,383K |
| Net Income (quarter) | $112 | $118 |
Liquidity & funding
| Metric | First American Bank | Farmers and Merchants State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 71.83% | 38.59% |
| Core Deposit Ratio | 89.17% | 94.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First American Bank | Farmers and Merchants State Bank, the |
|---|---|---|
| Headquarters City | STONEWALL | SCOTLAND |
| Headquarters State | OK | SD |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 9 | 6 |
| Established | July 4, 1940, midnight | March 6, 1934, 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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