Bank Comparison
Franklin Bank & Trust Company vs Farmers & Merchants Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Franklin Bank & Trust Company | Farmers & Merchants Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.26% | 9.92% |
| Equity / Assets | 13.08% | 8.84% |
Profitability
| Metric | Franklin Bank & Trust Company | Farmers & Merchants Bank |
|---|---|---|
| Return on Assets (ROA) | 1.62% | 1.57% |
| Return on Equity (ROE) | 12.36% | 17.98% |
| Net Interest Margin (NIM) | 3.95% | 4.59% |
| Yield on Earning Assets | 6.10% | 6.61% |
| Cost of Funds | 2.33% | 2.19% |
Asset quality
| Metric | Franklin Bank & Trust Company | Farmers & Merchants Bank |
|---|---|---|
| Texas Ratio | 5.24% | 20.45% |
| Non-Performing Loan Ratio | 0.85% | 1.74% |
| Non-Performing Asset Ratio | 0.73% | 1.55% |
| Net Charge-Off Ratio | 0.05% | 0.25% |
| ACL / Loans | 0.93% | 1.17% |
Balance sheet
| Metric | Franklin Bank & Trust Company | Farmers & Merchants Bank |
|---|---|---|
| Total Assets | $802,645K | $800,620K |
| Total Deposits | $659,840K | $713,937K |
| Total Loans | $688,826K | $612,052K |
| Total Equity | $104,974K | $70,736K |
| Net Income (quarter) | $3,206K | $3,116K |
Liquidity & funding
| Metric | Franklin Bank & Trust Company | Farmers & Merchants Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 104.39% | 85.73% |
| Core Deposit Ratio | 92.77% | 82.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Franklin Bank & Trust Company | Farmers & Merchants Bank |
|---|---|---|
| Headquarters City | FRANKLIN | LAKELAND |
| Headquarters State | KY | GA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 6 |
| Employees (FTE) | 81 | 130 |
| Established | Dec. 1, 1958, midnight | Jan. 1, 1907, 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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