Bank Comparison
Readlyn Savings Bank, the vs Farmers Trust & Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Readlyn Savings Bank, the | Farmers Trust & Savings Bank |
|---|---|---|
| CET1 Ratio | 26.29% | 13.81% |
| Tier 1 Capital Ratio | 26.29% | 13.81% |
| Total Capital Ratio | 27.49% | 14.81% |
| Tier 1 Leverage Ratio | 19.61% | 9.09% |
| Equity / Assets | 17.72% | 9.01% |
Profitability
| Metric | Readlyn Savings Bank, the | Farmers Trust & Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.79% | 1.65% |
| Return on Equity (ROE) | 10.15% | 18.35% |
| Net Interest Margin (NIM) | 3.39% | 3.85% |
| Yield on Earning Assets | 5.17% | 5.31% |
| Cost of Funds | 2.11% | 1.57% |
Asset quality
| Metric | Readlyn Savings Bank, the | Farmers Trust & Savings Bank |
|---|---|---|
| Texas Ratio | 2.47% | 0.27% |
| Non-Performing Loan Ratio | 0.00% | 0.04% |
| Non-Performing Asset Ratio | 0.00% | 0.03% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.35% | 1.04% |
Balance sheet
| Metric | Readlyn Savings Bank, the | Farmers Trust & Savings Bank |
|---|---|---|
| Total Assets | $150,323K | $149,941K |
| Total Deposits | $113,843K | $136,040K |
| Total Loans | $99,549K | $94,390K |
| Total Equity | $26,639K | $13,505K |
| Net Income (quarter) | $674 | $616 |
Liquidity & funding
| Metric | Readlyn Savings Bank, the | Farmers Trust & Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.44% | 69.38% |
| Core Deposit Ratio | 86.40% | 93.76% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Readlyn Savings Bank, the | Farmers Trust & Savings Bank |
|---|---|---|
| Headquarters City | READLYN | EARLING |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 12 | 18 |
| Established | May 15, 1904, midnight | Jan. 1, 1892, 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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