Bank Comparison
Fm Bank and Trust vs Bank of Idaho
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Fm Bank and Trust | Bank of Idaho |
|---|---|---|
| CET1 Ratio | 10.99% | 13.59% |
| Tier 1 Capital Ratio | 10.99% | 13.59% |
| Total Capital Ratio | 12.24% | 14.82% |
| Tier 1 Leverage Ratio | 8.96% | 11.89% |
| Equity / Assets | 8.36% | 11.84% |
Profitability
| Metric | Fm Bank and Trust | Bank of Idaho |
|---|---|---|
| Return on Assets (ROA) | 1.91% | 1.45% |
| Return on Equity (ROE) | 31.89% | 12.76% |
| Net Interest Margin (NIM) | 4.12% | 4.29% |
| Yield on Earning Assets | 6.33% | 6.31% |
| Cost of Funds | 3.18% | 2.26% |
Asset quality
| Metric | Fm Bank and Trust | Bank of Idaho |
|---|---|---|
| Texas Ratio | 7.59% | 4.92% |
| Non-Performing Loan Ratio | 0.86% | 0.74% |
| Non-Performing Asset Ratio | 0.73% | 0.61% |
| Net Charge-Off Ratio | 0.04% | 0.01% |
| ACL / Loans | 1.52% | 1.22% |
Balance sheet
| Metric | Fm Bank and Trust | Bank of Idaho |
|---|---|---|
| Total Assets | $1,303M | $1,302M |
| Total Deposits | $1,173M | $1,101M |
| Total Loans | $1,089M | $1,069M |
| Total Equity | $109,017K | $154,216K |
| Net Income (quarter) | $6,188K | $4,796K |
Liquidity & funding
| Metric | Fm Bank and Trust | Bank of Idaho |
|---|---|---|
| Loan-to-Deposit Ratio | 92.76% | 97.13% |
| Core Deposit Ratio | 84.10% | 94.29% |
| Uninsured Deposit Ratio | 18.02% | 39.12% |
Identity
| Metric | Fm Bank and Trust | Bank of Idaho |
|---|---|---|
| Headquarters City | BLYTHEVILLE | Idaho Falls |
| Headquarters State | AR | ID |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 16 | 18 |
| Employees (FTE) | 155 | 181 |
| Established | March 16, 1908, midnight | Sept. 25, 1985, 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 Fm Bank and Trust profile | View full Bank of Idaho profile | Browse all bank comparisons