Bank Comparison
Flat Branch Bank vs Farmers and Merchants Bank of Craig County, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Flat Branch Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.97% | 16.68% |
| Equity / Assets | 14.22% | 16.62% |
Profitability
| Metric | Flat Branch Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Return on Assets (ROA) | -2.49% | 1.25% |
| Return on Equity (ROE) | -17.62% | 7.48% |
| Net Interest Margin (NIM) | 4.77% | 3.64% |
| Yield on Earning Assets | 6.50% | 4.82% |
| Cost of Funds | 1.98% | 1.38% |
Asset quality
| Metric | Flat Branch Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Texas Ratio | 0.00% | 0.22% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.25% | 1.24% |
Balance sheet
| Metric | Flat Branch Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Total Assets | $93,298K | $93,499K |
| Total Deposits | $79,588K | $77,575K |
| Total Loans | $54,723K | $60,367K |
| Total Equity | $13,264K | $15,539K |
| Net Income (quarter) | $-599 | $291 |
Liquidity & funding
| Metric | Flat Branch Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Loan-to-Deposit Ratio | 68.76% | 77.82% |
| Core Deposit Ratio | 98.99% | 93.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Flat Branch Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Headquarters City | RICHMOND | NEW CASTLE |
| Headquarters State | MO | VA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 20 | 16 |
| Established | July 1, 1940, midnight | May 2, 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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