Bank Comparison
Fm Bank and Trust vs Piedmont Federal Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 9
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Fm Bank and Trust | Piedmont Federal Savings Bank |
|---|---|---|
| CET1 Ratio | 10.99% | — |
| Tier 1 Capital Ratio | 10.99% | — |
| Total Capital Ratio | 12.24% | — |
| Tier 1 Leverage Ratio | 8.96% | 18.87% |
| Equity / Assets | 8.36% | 18.30% |
Profitability
| Metric | Fm Bank and Trust | Piedmont Federal Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.91% | 0.16% |
| Return on Equity (ROE) | 31.89% | 0.88% |
| Net Interest Margin (NIM) | 4.12% | 2.32% |
| Yield on Earning Assets | 6.33% | 4.41% |
| Cost of Funds | 3.18% | 2.41% |
Asset quality
| Metric | Fm Bank and Trust | Piedmont Federal Savings Bank |
|---|---|---|
| Texas Ratio | 7.59% | 0.21% |
| Non-Performing Loan Ratio | 0.86% | 0.06% |
| Non-Performing Asset Ratio | 0.73% | 0.04% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 1.52% | 0.77% |
Balance sheet
| Metric | Fm Bank and Trust | Piedmont Federal Savings Bank |
|---|---|---|
| Total Assets | $1,303M | $1,307M |
| Total Deposits | $1,173M | $957,373K |
| Total Loans | $1,089M | $892,090K |
| Total Equity | $109,017K | $239,320K |
| Net Income (quarter) | $6,188K | $525 |
Liquidity & funding
| Metric | Fm Bank and Trust | Piedmont Federal Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.76% | 93.18% |
| Core Deposit Ratio | 84.10% | 81.86% |
| Uninsured Deposit Ratio | 18.02% | 21.72% |
Identity
| Metric | Fm Bank and Trust | Piedmont Federal Savings Bank |
|---|---|---|
| Headquarters City | BLYTHEVILLE | WINSTON SALEM |
| Headquarters State | AR | NC |
| Asset Tier | Large | Large |
| Charter Class | 0 | 700007 |
| Regulator | FED | OCC |
| Domestic Branches | 16 | 10 |
| Employees (FTE) | 155 | 115 |
| Established | March 16, 1908, midnight | Jan. 1, 1903, 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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