Bank Comparison
First Bank vs Farmers Bank & Trust
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 Bank | Farmers Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.58% | 9.43% |
| Equity / Assets | 11.79% | 7.24% |
Profitability
| Metric | First Bank | Farmers Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.01% | 1.17% |
| Return on Equity (ROE) | 8.34% | 16.55% |
| Net Interest Margin (NIM) | 4.01% | 3.73% |
| Yield on Earning Assets | 5.74% | 5.10% |
| Cost of Funds | 1.91% | 1.40% |
Asset quality
| Metric | First Bank | Farmers Bank & Trust |
|---|---|---|
| Texas Ratio | 28.98% | 9.38% |
| Non-Performing Loan Ratio | 5.00% | 1.38% |
| Non-Performing Asset Ratio | 3.42% | 0.73% |
| Net Charge-Off Ratio | -0.07% | 5.75% |
| ACL / Loans | 2.99% | 1.17% |
Balance sheet
| Metric | First Bank | Farmers Bank & Trust |
|---|---|---|
| Total Assets | $156,491K | $158,054K |
| Total Deposits | $121,859K | $145,921K |
| Total Loans | $107,107K | $83,341K |
| Total Equity | $18,448K | $11,441K |
| Net Income (quarter) | $391 | $476 |
Liquidity & funding
| Metric | First Bank | Farmers Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 87.89% | 57.11% |
| Core Deposit Ratio | 88.51% | 93.12% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bank | Farmers Bank & Trust |
|---|---|---|
| Headquarters City | STERLING | ATWOOD |
| Headquarters State | KS | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 24 | 23 |
| Established | Jan. 1, 1907, midnight | Jan. 1, 1914, 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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