Bank Comparison
First National Bank of Waterloo vs Farmers National Bank
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 National Bank of Waterloo | Farmers National Bank |
|---|---|---|
| CET1 Ratio | 12.56% | — |
| Tier 1 Capital Ratio | 12.56% | — |
| Total Capital Ratio | 13.81% | — |
| Tier 1 Leverage Ratio | 9.03% | 14.87% |
| Equity / Assets | 9.36% | 13.70% |
Profitability
| Metric | First National Bank of Waterloo | Farmers National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.88% | 1.05% |
| Return on Equity (ROE) | 9.44% | 7.81% |
| Net Interest Margin (NIM) | 3.27% | 3.21% |
| Yield on Earning Assets | 4.71% | 5.18% |
| Cost of Funds | 1.51% | 2.19% |
Asset quality
| Metric | First National Bank of Waterloo | Farmers National Bank |
|---|---|---|
| Texas Ratio | 11.50% | 4.60% |
| Non-Performing Loan Ratio | 1.73% | 0.05% |
| Non-Performing Asset Ratio | 1.00% | 0.03% |
| Net Charge-Off Ratio | 0.06% | 0.00% |
| ACL / Loans | 1.56% | 3.11% |
Balance sheet
| Metric | First National Bank of Waterloo | Farmers National Bank |
|---|---|---|
| Total Assets | $948,812K | $913,916K |
| Total Deposits | $788,732K | $638,783K |
| Total Loans | $538,023K | $506,465K |
| Total Equity | $88,789K | $125,190K |
| Net Income (quarter) | $2,089K | $2,434K |
Liquidity & funding
| Metric | First National Bank of Waterloo | Farmers National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 68.21% | 79.29% |
| Core Deposit Ratio | 93.64% | 87.78% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Waterloo | Farmers National Bank |
|---|---|---|
| Headquarters City | WATERLOO | PROPHETSTOWN |
| Headquarters State | IL | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 10180 | 6375 |
| Regulator | OCC | OCC |
| Domestic Branches | 16 | 4 |
| Employees (FTE) | 161 | 60 |
| Established | June 12, 1912, midnight | July 1, 1902, 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.
View full First National Bank of Waterloo profile | View full Farmers National Bank profile | Browse all bank comparisons