Bank Comparison
Sainte Marie State Bank vs Farmers State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Sainte Marie State Bank | Farmers State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 18.45% | 16.92% |
| Equity / Assets | 17.66% | 17.32% |
Profitability
| Metric | Sainte Marie State Bank | Farmers State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.90% | 2.78% |
| Return on Equity (ROE) | 4.93% | 16.61% |
| Net Interest Margin (NIM) | 4.52% | 4.92% |
| Yield on Earning Assets | 6.18% | 6.50% |
| Cost of Funds | 1.65% | 1.85% |
Asset quality
| Metric | Sainte Marie State Bank | Farmers State Bank |
|---|---|---|
| Texas Ratio | 6.68% | 0.00% |
| Non-Performing Loan Ratio | 2.94% | 0.00% |
| Non-Performing Asset Ratio | 1.21% | 0.00% |
| Net Charge-Off Ratio | 1.39% | -0.06% |
| ACL / Loans | 1.14% | 1.98% |
Balance sheet
| Metric | Sainte Marie State Bank | Farmers State Bank |
|---|---|---|
| Total Assets | $20,729K | $20,943K |
| Total Deposits | $16,876K | $16,755K |
| Total Loans | $8,538K | $14,029K |
| Total Equity | $3,661K | $3,627K |
| Net Income (quarter) | $45 | $149 |
Liquidity & funding
| Metric | Sainte Marie State Bank | Farmers State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 50.59% | 83.73% |
| Core Deposit Ratio | 92.53% | 87.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Sainte Marie State Bank | Farmers State Bank |
|---|---|---|
| Headquarters City | SAINTE MARIE | Hosmer |
| Headquarters State | IL | SD |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 8 | 6 |
| Established | — | Oct. 18, 1919, 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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