Bank Comparison
Miners Exchange Bank vs Farmers and Merchants Bank of Craig County, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Miners Exchange Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| CET1 Ratio | 21.63% | — |
| Tier 1 Capital Ratio | 21.63% | — |
| Total Capital Ratio | 22.74% | — |
| Tier 1 Leverage Ratio | 12.72% | 16.68% |
| Equity / Assets | 11.71% | 16.62% |
Profitability
| Metric | Miners Exchange Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Return on Assets (ROA) | 0.26% | 1.25% |
| Return on Equity (ROE) | 2.22% | 7.48% |
| Net Interest Margin (NIM) | 4.89% | 3.64% |
| Yield on Earning Assets | 5.76% | 4.82% |
| Cost of Funds | 0.92% | 1.38% |
Asset quality
| Metric | Miners Exchange Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Texas Ratio | 17.82% | 0.22% |
| Non-Performing Loan Ratio | 3.18% | 0.00% |
| Non-Performing Asset Ratio | 2.20% | 0.04% |
| Net Charge-Off Ratio | 0.31% | 0.01% |
| ACL / Loans | 1.09% | 1.24% |
Balance sheet
| Metric | Miners Exchange Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Total Assets | $94,879K | $93,499K |
| Total Deposits | $82,119K | $77,575K |
| Total Loans | $56,395K | $60,367K |
| Total Equity | $11,108K | $15,539K |
| Net Income (quarter) | $62 | $291 |
Liquidity & funding
| Metric | Miners Exchange Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Loan-to-Deposit Ratio | 68.67% | 77.82% |
| Core Deposit Ratio | 92.71% | 93.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Miners Exchange Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Headquarters City | COEBURN | NEW CASTLE |
| Headquarters State | VA | VA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 5 | 1 |
| Employees (FTE) | 43 | 16 |
| Established | July 8, 1982, midnight | May 2, 1917, 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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