Bank Comparison
First American State Bank vs Farmers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First American State Bank | Farmers Bank |
|---|---|---|
| CET1 Ratio | 14.74% | — |
| Tier 1 Capital Ratio | 14.74% | — |
| Total Capital Ratio | 16.00% | — |
| Tier 1 Leverage Ratio | 9.37% | 13.03% |
| Equity / Assets | 8.95% | 6.58% |
Profitability
| Metric | First American State Bank | Farmers Bank |
|---|---|---|
| Return on Assets (ROA) | 0.42% | 1.55% |
| Return on Equity (ROE) | 4.74% | 25.09% |
| Net Interest Margin (NIM) | 2.88% | 3.68% |
| Yield on Earning Assets | 5.46% | 5.18% |
| Cost of Funds | 2.87% | 1.69% |
Asset quality
| Metric | First American State Bank | Farmers Bank |
|---|---|---|
| Texas Ratio | 2.39% | 68.88% |
| Non-Performing Loan Ratio | 0.32% | 8.45% |
| Non-Performing Asset Ratio | 0.23% | 5.12% |
| Net Charge-Off Ratio | 0.00% | 0.33% |
| ACL / Loans | 0.95% | 1.49% |
Balance sheet
| Metric | First American State Bank | Farmers Bank |
|---|---|---|
| Total Assets | $281,809K | $291,021K |
| Total Deposits | $201,421K | $270,460K |
| Total Loans | $199,881K | $168,138K |
| Total Equity | $25,209K | $19,135K |
| Net Income (quarter) | $301 | $1,207K |
Liquidity & funding
| Metric | First American State Bank | Farmers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 99.24% | 62.17% |
| Core Deposit Ratio | 90.16% | 77.69% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First American State Bank | Farmers Bank |
|---|---|---|
| Headquarters City | GREENWOOD VILLAGE | AULT |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 22 | 31 |
| Established | July 10, 1995, midnight | Dec. 28, 2001, 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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