Bank Comparison
First National Bank of Steeleville vs Farmers and Merchants National Bank of Nashville, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | First National Bank of Steeleville | Farmers and Merchants National Bank of Nashville, the |
|---|---|---|
| CET1 Ratio | 24.22% | 15.74% |
| Tier 1 Capital Ratio | 24.22% | 15.74% |
| Total Capital Ratio | 25.07% | 16.65% |
| Tier 1 Leverage Ratio | 13.29% | 11.61% |
| Equity / Assets | 10.76% | 9.78% |
Profitability
| Metric | First National Bank of Steeleville | Farmers and Merchants National Bank of Nashville, the |
|---|---|---|
| Return on Assets (ROA) | 1.82% | 1.53% |
| Return on Equity (ROE) | 16.73% | 16.00% |
| Net Interest Margin (NIM) | 3.57% | 4.05% |
| Yield on Earning Assets | 4.84% | 4.91% |
| Cost of Funds | 1.37% | 0.92% |
Asset quality
| Metric | First National Bank of Steeleville | Farmers and Merchants National Bank of Nashville, the |
|---|---|---|
| Texas Ratio | 2.54% | 5.85% |
| Non-Performing Loan Ratio | 0.46% | 0.33% |
| Non-Performing Asset Ratio | 0.19% | 0.61% |
| Net Charge-Off Ratio | 0.07% | 0.01% |
| ACL / Loans | 1.05% | 1.03% |
Balance sheet
| Metric | First National Bank of Steeleville | Farmers and Merchants National Bank of Nashville, the |
|---|---|---|
| Total Assets | $279,419K | $279,954K |
| Total Deposits | $235,407K | $252,113K |
| Total Loans | $114,108K | $179,494K |
| Total Equity | $30,076K | $27,367K |
| Net Income (quarter) | $1,265K | $1,081K |
Liquidity & funding
| Metric | First National Bank of Steeleville | Farmers and Merchants National Bank of Nashville, the |
|---|---|---|
| Loan-to-Deposit Ratio | 48.47% | 71.20% |
| Core Deposit Ratio | 91.77% | 90.56% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Steeleville | Farmers and Merchants National Bank of Nashville, the |
|---|---|---|
| Headquarters City | STEELEVILLE | NASHVILLE |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 14437 | 8221 |
| Regulator | OCC | OCC |
| Domestic Branches | 3 | 8 |
| Employees (FTE) | 34 | 50 |
| Established | Nov. 1, 1902, midnight | May 10, 1906, 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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