Bank Comparison
First State Bank, the vs Farmers & Merchants Bank of North Dakota
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 9
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First State Bank, the | Farmers & Merchants Bank of North Dakota |
|---|---|---|
| CET1 Ratio | 15.61% | 19.17% |
| Tier 1 Capital Ratio | 15.61% | 19.17% |
| Total Capital Ratio | 16.66% | 19.85% |
| Tier 1 Leverage Ratio | 12.49% | 10.95% |
| Equity / Assets | 12.97% | 9.76% |
Profitability
| Metric | First State Bank, the | Farmers & Merchants Bank of North Dakota |
|---|---|---|
| Return on Assets (ROA) | 1.24% | 0.61% |
| Return on Equity (ROE) | 9.87% | 6.13% |
| Net Interest Margin (NIM) | 6.95% | 3.13% |
| Yield on Earning Assets | 8.66% | 4.60% |
| Cost of Funds | 1.80% | 1.52% |
Asset quality
| Metric | First State Bank, the | Farmers & Merchants Bank of North Dakota |
|---|---|---|
| Texas Ratio | 10.85% | 8.79% |
| Non-Performing Loan Ratio | 1.08% | 2.16% |
| Non-Performing Asset Ratio | 1.06% | 0.78% |
| Net Charge-Off Ratio | -0.05% | -0.03% |
| ACL / Loans | 1.23% | 1.06% |
Balance sheet
| Metric | First State Bank, the | Farmers & Merchants Bank of North Dakota |
|---|---|---|
| Total Assets | $123,813K | $123,986K |
| Total Deposits | $97,224K | $111,438K |
| Total Loans | $87,002K | $44,804K |
| Total Equity | $16,054K | $12,104K |
| Net Income (quarter) | $397 | $190 |
Liquidity & funding
| Metric | First State Bank, the | Farmers & Merchants Bank of North Dakota |
|---|---|---|
| Loan-to-Deposit Ratio | 89.49% | 40.21% |
| Core Deposit Ratio | 81.46% | 90.47% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First State Bank, the | Farmers & Merchants Bank of North Dakota |
|---|---|---|
| Headquarters City | ABERNATHY | TOLNA |
| Headquarters State | TX | ND |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 21 | 18 |
| Established | Jan. 1, 1909, midnight | Aug. 1, 1917, 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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