Bank Comparison
Grove Bank & Trust vs Farmers & Merchants Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Grove Bank & Trust | Farmers & Merchants Bank |
|---|---|---|
| CET1 Ratio | 15.62% | 13.18% |
| Tier 1 Capital Ratio | 15.62% | 13.18% |
| Total Capital Ratio | 16.87% | 14.10% |
| Tier 1 Leverage Ratio | 9.89% | 8.84% |
| Equity / Assets | 9.64% | 7.80% |
Profitability
| Metric | Grove Bank & Trust | Farmers & Merchants Bank |
|---|---|---|
| Return on Assets (ROA) | 0.69% | 0.93% |
| Return on Equity (ROE) | 7.15% | 12.04% |
| Net Interest Margin (NIM) | 2.62% | 3.52% |
| Yield on Earning Assets | 4.70% | 5.30% |
| Cost of Funds | 2.26% | 1.85% |
Asset quality
| Metric | Grove Bank & Trust | Farmers & Merchants Bank |
|---|---|---|
| Texas Ratio | 0.00% | 8.93% |
| Non-Performing Loan Ratio | 0.00% | 1.14% |
| Non-Performing Asset Ratio | 0.00% | 0.73% |
| Net Charge-Off Ratio | 0.04% | 0.09% |
| ACL / Loans | 1.40% | 0.88% |
Balance sheet
| Metric | Grove Bank & Trust | Farmers & Merchants Bank |
|---|---|---|
| Total Assets | $1,410M | $1,407M |
| Total Deposits | $1,179M | $1,283M |
| Total Loans | $830,256K | $900,558K |
| Total Equity | $135,956K | $109,749K |
| Net Income (quarter) | $2,410K | $3,278K |
Liquidity & funding
| Metric | Grove Bank & Trust | Farmers & Merchants Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.40% | 70.15% |
| Core Deposit Ratio | 97.24% | 97.10% |
| Uninsured Deposit Ratio | 47.15% | 13.85% |
Identity
| Metric | Grove Bank & Trust | Farmers & Merchants Bank |
|---|---|---|
| Headquarters City | MIAMI | TIMBERVILLE |
| Headquarters State | FL | VA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 5 | 15 |
| Employees (FTE) | 121 | 179 |
| Established | July 12, 1926, midnight | Jan. 1, 1908, 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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