Bank Comparison
State Bank of Nauvoo vs Farmers State Bank of Emden
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 15
winning metrics across 22 comparable rows
Capital adequacy
| Metric | State Bank of Nauvoo | Farmers State Bank of Emden |
|---|---|---|
| CET1 Ratio | 15.57% | 52.98% |
| Tier 1 Capital Ratio | 15.57% | 52.98% |
| Total Capital Ratio | 16.47% | 53.41% |
| Tier 1 Leverage Ratio | 8.35% | 28.93% |
| Equity / Assets | 8.42% | 29.13% |
Profitability
| Metric | State Bank of Nauvoo | Farmers State Bank of Emden |
|---|---|---|
| Return on Assets (ROA) | 0.29% | 1.41% |
| Return on Equity (ROE) | 3.41% | 4.90% |
| Net Interest Margin (NIM) | 3.80% | 3.60% |
| Yield on Earning Assets | 4.82% | 4.16% |
| Cost of Funds | 1.05% | 0.80% |
Asset quality
| Metric | State Bank of Nauvoo | Farmers State Bank of Emden |
|---|---|---|
| Texas Ratio | 23.10% | 0.51% |
| Non-Performing Loan Ratio | 2.35% | 0.40% |
| Non-Performing Asset Ratio | 2.05% | 0.14% |
| Net Charge-Off Ratio | 0.11% | 0.00% |
| ACL / Loans | 0.90% | 0.68% |
Balance sheet
| Metric | State Bank of Nauvoo | Farmers State Bank of Emden |
|---|---|---|
| Total Assets | $37,802K | $38,322K |
| Total Deposits | $34,567K | $26,926K |
| Total Loans | $18,570K | $13,432K |
| Total Equity | $3,183K | $11,164K |
| Net Income (quarter) | $27 | $136 |
Liquidity & funding
| Metric | State Bank of Nauvoo | Farmers State Bank of Emden |
|---|---|---|
| Loan-to-Deposit Ratio | 53.72% | 49.88% |
| Core Deposit Ratio | 97.32% | 93.51% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank of Nauvoo | Farmers State Bank of Emden |
|---|---|---|
| Headquarters City | NAUVOO | EMDEN |
| Headquarters State | IL | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 7 | 7 |
| Established | Jan. 17, 1893, midnight | May 25, 1891, 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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