Bank Comparison
Fm Bank and Trust vs Skyline National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Fm Bank and Trust | Skyline National Bank |
|---|---|---|
| CET1 Ratio | 10.99% | 10.72% |
| Tier 1 Capital Ratio | 10.99% | 10.72% |
| Total Capital Ratio | 12.24% | 11.61% |
| Tier 1 Leverage Ratio | 8.96% | 8.60% |
| Equity / Assets | 8.36% | 8.39% |
Profitability
| Metric | Fm Bank and Trust | Skyline National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.91% | 1.43% |
| Return on Equity (ROE) | 31.89% | 17.36% |
| Net Interest Margin (NIM) | 4.12% | 4.49% |
| Yield on Earning Assets | 6.33% | 5.62% |
| Cost of Funds | 3.18% | 1.15% |
Asset quality
| Metric | Fm Bank and Trust | Skyline National Bank |
|---|---|---|
| Texas Ratio | 7.59% | 4.95% |
| Non-Performing Loan Ratio | 0.86% | 0.49% |
| Non-Performing Asset Ratio | 0.73% | 0.41% |
| Net Charge-Off Ratio | 0.04% | 0.01% |
| ACL / Loans | 1.52% | 0.82% |
Balance sheet
| Metric | Fm Bank and Trust | Skyline National Bank |
|---|---|---|
| Total Assets | $1,303M | $1,309M |
| Total Deposits | $1,173M | $1,184M |
| Total Loans | $1,089M | $1,086M |
| Total Equity | $109,017K | $109,838K |
| Net Income (quarter) | $6,188K | $4,711K |
Liquidity & funding
| Metric | Fm Bank and Trust | Skyline National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.76% | 91.70% |
| Core Deposit Ratio | 84.10% | 89.92% |
| Uninsured Deposit Ratio | 18.02% | 34.66% |
Identity
| Metric | Fm Bank and Trust | Skyline National Bank |
|---|---|---|
| Headquarters City | BLYTHEVILLE | INDEPENDENCE |
| Headquarters State | AR | VA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 10834 |
| Regulator | FED | OCC |
| Domestic Branches | 16 | 28 |
| Employees (FTE) | 155 | 246 |
| Established | March 16, 1908, midnight | Oct. 6, 1900, 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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