Bank Comparison
Lyon County State Bank, the vs Farmers & Merchants Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Lyon County State Bank, the | Farmers & Merchants Bank & Trust |
|---|---|---|
| CET1 Ratio | 18.56% | 17.40% |
| Tier 1 Capital Ratio | 18.56% | 17.40% |
| Total Capital Ratio | 19.82% | 18.65% |
| Tier 1 Leverage Ratio | 9.30% | 10.45% |
| Equity / Assets | 8.12% | 8.12% |
Profitability
| Metric | Lyon County State Bank, the | Farmers & Merchants Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.68% | 0.99% |
| Return on Equity (ROE) | 20.39% | 12.43% |
| Net Interest Margin (NIM) | 3.77% | 3.42% |
| Yield on Earning Assets | 5.01% | 4.12% |
| Cost of Funds | 1.34% | 0.72% |
Asset quality
| Metric | Lyon County State Bank, the | Farmers & Merchants Bank & Trust |
|---|---|---|
| Texas Ratio | 1.30% | 11.50% |
| Non-Performing Loan Ratio | 0.17% | 1.75% |
| Non-Performing Asset Ratio | 0.12% | 1.04% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.35% | 1.54% |
Balance sheet
| Metric | Lyon County State Bank, the | Farmers & Merchants Bank & Trust |
|---|---|---|
| Total Assets | $210,756K | $210,705K |
| Total Deposits | $182,996K | $187,043K |
| Total Loans | $143,114K | $125,392K |
| Total Equity | $17,115K | $17,110K |
| Net Income (quarter) | $890 | $524 |
Liquidity & funding
| Metric | Lyon County State Bank, the | Farmers & Merchants Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 78.21% | 67.04% |
| Core Deposit Ratio | 94.12% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lyon County State Bank, the | Farmers & Merchants Bank & Trust |
|---|---|---|
| Headquarters City | EMPORIA | BURLINGTON |
| Headquarters State | KS | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 4 |
| Employees (FTE) | 32 | 48 |
| Established | June 27, 1913, midnight | Jan. 1, 1916, 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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