Bank Comparison
First National Bank of Waterloo vs Farmers & Merchants Bank, 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 Waterloo | Farmers & Merchants Bank, the |
|---|---|---|
| CET1 Ratio | 12.56% | 12.54% |
| Tier 1 Capital Ratio | 12.56% | 12.54% |
| Total Capital Ratio | 13.81% | 13.79% |
| Tier 1 Leverage Ratio | 9.03% | 9.85% |
| Equity / Assets | 9.36% | 8.45% |
Profitability
| Metric | First National Bank of Waterloo | Farmers & Merchants Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.19% |
| Return on Equity (ROE) | 9.44% | 14.14% |
| Net Interest Margin (NIM) | 3.27% | 3.41% |
| Yield on Earning Assets | 4.71% | 6.20% |
| Cost of Funds | 1.51% | 3.04% |
Asset quality
| Metric | First National Bank of Waterloo | Farmers & Merchants Bank, the |
|---|---|---|
| Texas Ratio | 11.50% | 22.62% |
| Non-Performing Loan Ratio | 1.73% | 2.79% |
| Non-Performing Asset Ratio | 1.00% | 2.15% |
| Net Charge-Off Ratio | 0.06% | 0.23% |
| ACL / Loans | 1.56% | 1.37% |
Balance sheet
| Metric | First National Bank of Waterloo | Farmers & Merchants Bank, the |
|---|---|---|
| Total Assets | $948,812K | $949,001K |
| Total Deposits | $788,732K | $822,608K |
| Total Loans | $538,023K | $732,203K |
| Total Equity | $88,789K | $80,219K |
| Net Income (quarter) | $2,089K | $2,829K |
Liquidity & funding
| Metric | First National Bank of Waterloo | Farmers & Merchants Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 68.21% | 89.01% |
| Core Deposit Ratio | 93.64% | 97.62% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Waterloo | Farmers & Merchants Bank, the |
|---|---|---|
| Headquarters City | WATERLOO | BERLIN |
| Headquarters State | IL | WI |
| Asset Tier | Medium | Medium |
| Charter Class | 10180 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 16 | 2 |
| Employees (FTE) | 161 | 63 |
| Established | June 12, 1912, midnight | Dec. 2, 1940, 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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