Bank Comparison
Security Bank of Pulaski County vs Farmers National Bank of Lebanon, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Security Bank of Pulaski County | Farmers National Bank of Lebanon, the |
|---|---|---|
| CET1 Ratio | 13.32% | — |
| Tier 1 Capital Ratio | 13.32% | — |
| Total Capital Ratio | 14.55% | — |
| Tier 1 Leverage Ratio | 8.72% | 11.29% |
| Equity / Assets | 8.24% | 9.84% |
Profitability
| Metric | Security Bank of Pulaski County | Farmers National Bank of Lebanon, the |
|---|---|---|
| Return on Assets (ROA) | 0.99% | 0.99% |
| Return on Equity (ROE) | 12.11% | 9.80% |
| Net Interest Margin (NIM) | 4.50% | 3.81% |
| Yield on Earning Assets | 6.46% | 5.55% |
| Cost of Funds | 1.90% | 1.85% |
Asset quality
| Metric | Security Bank of Pulaski County | Farmers National Bank of Lebanon, the |
|---|---|---|
| Texas Ratio | 11.46% | 0.04% |
| Non-Performing Loan Ratio | 1.08% | 0.01% |
| Non-Performing Asset Ratio | 1.01% | 0.00% |
| Net Charge-Off Ratio | 0.26% | -0.06% |
| ACL / Loans | 1.32% | 0.95% |
Balance sheet
| Metric | Security Bank of Pulaski County | Farmers National Bank of Lebanon, the |
|---|---|---|
| Total Assets | $162,478K | $162,592K |
| Total Deposits | $146,392K | $145,570K |
| Total Loans | $95,694K | $110,949K |
| Total Equity | $13,383K | $16,005K |
| Net Income (quarter) | $403 | $385 |
Liquidity & funding
| Metric | Security Bank of Pulaski County | Farmers National Bank of Lebanon, the |
|---|---|---|
| Loan-to-Deposit Ratio | 65.37% | 76.22% |
| Core Deposit Ratio | 90.43% | 89.80% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Security Bank of Pulaski County | Farmers National Bank of Lebanon, the |
|---|---|---|
| Headquarters City | SAINT ROBERT | LEBANON |
| Headquarters State | MO | KY |
| Asset Tier | Small | Small |
| Charter Class | 0 | 4271 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 29 | 26 |
| Established | Jan. 1, 1936, midnight | April 1, 1890, 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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