Bank Comparison
First Farmers & Merchants State Bank vs Citizens Bank of Cumberland County, Inc.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 10
winning metrics across 13 scored rows
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Capital adequacy
| Metric | First Farmers & Merchants State Bank | Citizens Bank of Cumberland County, Inc. |
|---|---|---|
| CET1 Ratio | 14.27% | — |
| Tier 1 Capital Ratio | 14.27% | — |
| Total Capital Ratio | 15.50% | — |
| Tier 1 Leverage Ratio | 11.31% | 12.25% |
| Equity / Assets | 10.69% | 12.24% |
Profitability
| Metric | First Farmers & Merchants State Bank | Citizens Bank of Cumberland County, Inc. |
|---|---|---|
| Return on Assets (ROA) | 0.68% | 2.19% |
| Return on Equity (ROE) | 6.49% | 18.61% |
| Net Interest Margin (NIM) | 4.39% | 4.99% |
| Yield on Earning Assets | 5.48% | 6.48% |
| Cost of Funds | 1.20% | 1.64% |
Asset quality
| Metric | First Farmers & Merchants State Bank | Citizens Bank of Cumberland County, Inc. |
|---|---|---|
| Texas Ratio | 11.47% | 4.39% |
| Non-Performing Loan Ratio | 1.81% | 0.79% |
| Non-Performing Asset Ratio | 1.30% | 0.57% |
| Net Charge-Off Ratio | 0.02% | 0.40% |
| ACL / Loans | 1.36% | 1.03% |
Balance sheet
| Metric | First Farmers & Merchants State Bank | Citizens Bank of Cumberland County, Inc. |
|---|---|---|
| Total Assets | $94.7M | $94.9M |
| Total Deposits | $84.1M | $80.5M |
| Total Loans | $68.2M | $67.9M |
| Total Equity | $10.1M | $11.6M |
| Net Income (quarter) | $165K | $528K |
Liquidity & funding
| Metric | First Farmers & Merchants State Bank | Citizens Bank of Cumberland County, Inc. |
|---|---|---|
| Loan-to-Deposit Ratio | 81.10% | 84.43% |
| Core Deposit Ratio | 89.76% | 93.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Farmers & Merchants State Bank | Citizens Bank of Cumberland County, Inc. |
|---|---|---|
| Headquarters City | Brownsdale | Burkesville |
| Headquarters State | MN | KY |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 9 | 22 |
| Established | February 8, 1908 | July 1, 2000 |
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 September 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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