Bank Comparison
First State Bank of Burnet vs Farmers and Merchants State Bank of Pierz
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First State Bank of Burnet | Farmers and Merchants State Bank of Pierz |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.47% | 8.97% |
| Equity / Assets | 10.55% | 6.59% |
Profitability
| Metric | First State Bank of Burnet | Farmers and Merchants State Bank of Pierz |
|---|---|---|
| Return on Assets (ROA) | 1.47% | 1.37% |
| Return on Equity (ROE) | 13.81% | 19.17% |
| Net Interest Margin (NIM) | 3.75% | 4.67% |
| Yield on Earning Assets | 4.71% | 6.00% |
| Cost of Funds | 1.06% | 1.42% |
Asset quality
| Metric | First State Bank of Burnet | Farmers and Merchants State Bank of Pierz |
|---|---|---|
| Texas Ratio | 0.05% | 24.04% |
| Non-Performing Loan Ratio | 0.01% | 2.75% |
| Non-Performing Asset Ratio | 0.01% | 1.79% |
| Net Charge-Off Ratio | 0.05% | 1.00% |
| ACL / Loans | 0.83% | 1.40% |
Balance sheet
| Metric | First State Bank of Burnet | Farmers and Merchants State Bank of Pierz |
|---|---|---|
| Total Assets | $330,958K | $330,978K |
| Total Deposits | $295,310K | $307,666K |
| Total Loans | $185,558K | $215,107K |
| Total Equity | $34,926K | $21,822K |
| Net Income (quarter) | $1,203K | $1,163K |
Liquidity & funding
| Metric | First State Bank of Burnet | Farmers and Merchants State Bank of Pierz |
|---|---|---|
| Loan-to-Deposit Ratio | 62.83% | 69.92% |
| Core Deposit Ratio | 90.80% | 94.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank of Burnet | Farmers and Merchants State Bank of Pierz |
|---|---|---|
| Headquarters City | BURNET | PIERZ |
| Headquarters State | TX | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 41 | 49 |
| Established | Oct. 24, 1908, midnight | Jan. 1, 1908, 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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