Bank Comparison
Miners & Merchants Bank vs State Bank of Industry
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 & Merchants Bank | State Bank of Industry |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.22% | 13.96% |
| Equity / Assets | 13.41% | 12.48% |
Profitability
| Metric | Miners & Merchants Bank | State Bank of Industry |
|---|---|---|
| Return on Assets (ROA) | -0.51% | 1.24% |
| Return on Equity (ROE) | -3.86% | 10.09% |
| Net Interest Margin (NIM) | 2.53% | 3.29% |
| Yield on Earning Assets | 3.50% | 5.10% |
| Cost of Funds | 1.09% | 2.10% |
Asset quality
| Metric | Miners & Merchants Bank | State Bank of Industry |
|---|---|---|
| Texas Ratio | 2.97% | 1.30% |
| Non-Performing Loan Ratio | 0.91% | 0.29% |
| Non-Performing Asset Ratio | 0.33% | 0.17% |
| Net Charge-Off Ratio | 0.00% | 0.16% |
| ACL / Loans | 0.62% | 1.25% |
Balance sheet
| Metric | Miners & Merchants Bank | State Bank of Industry |
|---|---|---|
| Total Assets | $66,846K | $67,060K |
| Total Deposits | $57,783K | $58,363K |
| Total Loans | $24,384K | $38,861K |
| Total Equity | $8,965K | $8,368K |
| Net Income (quarter) | $-87 | $209 |
Liquidity & funding
| Metric | Miners & Merchants Bank | State Bank of Industry |
|---|---|---|
| Loan-to-Deposit Ratio | 42.20% | 66.58% |
| Core Deposit Ratio | 97.93% | 83.21% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Miners & Merchants Bank | State Bank of Industry |
|---|---|---|
| Headquarters City | Thomas | INDUSTRY |
| Headquarters State | WV | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 13 | 7 |
| Established | June 10, 1902, midnight | March 25, 1901, 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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