Bank Comparison
First Farmers National Bank of Waurika, the vs Lakeside Bank of Salina
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Farmers National Bank of Waurika, the | Lakeside Bank of Salina |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 19.16% | 10.77% |
| Equity / Assets | 14.66% | 10.71% |
Profitability
| Metric | First Farmers National Bank of Waurika, the | Lakeside Bank of Salina |
|---|---|---|
| Return on Assets (ROA) | 1.53% | 1.76% |
| Return on Equity (ROE) | 11.06% | 16.69% |
| Net Interest Margin (NIM) | 3.53% | 6.08% |
| Yield on Earning Assets | 4.98% | 7.69% |
| Cost of Funds | 1.71% | 1.73% |
Asset quality
| Metric | First Farmers National Bank of Waurika, the | Lakeside Bank of Salina |
|---|---|---|
| Texas Ratio | 0.00% | 25.07% |
| Non-Performing Loan Ratio | 0.00% | 4.54% |
| Non-Performing Asset Ratio | 0.00% | 3.18% |
| Net Charge-Off Ratio | 0.02% | 0.35% |
| ACL / Loans | 4.76% | 2.83% |
Balance sheet
| Metric | First Farmers National Bank of Waurika, the | Lakeside Bank of Salina |
|---|---|---|
| Total Assets | $57,976K | $56,179K |
| Total Deposits | $49,332K | $49,652K |
| Total Loans | $21,894K | $39,432K |
| Total Equity | $8,500K | $6,018K |
| Net Income (quarter) | $232 | $246 |
Liquidity & funding
| Metric | First Farmers National Bank of Waurika, the | Lakeside Bank of Salina |
|---|---|---|
| Loan-to-Deposit Ratio | 44.38% | 79.42% |
| Core Deposit Ratio | 85.35% | 92.63% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Farmers National Bank of Waurika, the | Lakeside Bank of Salina |
|---|---|---|
| Headquarters City | WAURIKA | SALINA |
| Headquarters State | OK | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 12094 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 11 | 14 |
| Established | March 26, 1906, midnight | Oct. 9, 1973, 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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