Bank Comparison
State Bank & Trust CO. vs Farmers Trust and Savings Bank
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 | State Bank & Trust CO. | Farmers Trust and Savings Bank |
|---|---|---|
| CET1 Ratio | 16.69% | — |
| Tier 1 Capital Ratio | 16.69% | — |
| Total Capital Ratio | 17.90% | — |
| Tier 1 Leverage Ratio | 10.94% | 22.31% |
| Equity / Assets | 9.63% | 21.92% |
Profitability
| Metric | State Bank & Trust CO. | Farmers Trust and Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.40% | 2.72% |
| Return on Equity (ROE) | 14.42% | 12.48% |
| Net Interest Margin (NIM) | 3.04% | 4.32% |
| Yield on Earning Assets | 4.17% | 5.68% |
| Cost of Funds | 1.23% | 1.73% |
Asset quality
| Metric | State Bank & Trust CO. | Farmers Trust and Savings Bank |
|---|---|---|
| Texas Ratio | 6.64% | 1.32% |
| Non-Performing Loan Ratio | 1.24% | 0.35% |
| Non-Performing Asset Ratio | 0.67% | 0.29% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.38% | 0.41% |
Balance sheet
| Metric | State Bank & Trust CO. | Farmers Trust and Savings Bank |
|---|---|---|
| Total Assets | $198,766K | $198,353K |
| Total Deposits | $174,556K | $152,442K |
| Total Loans | $107,338K | $147,849K |
| Total Equity | $19,139K | $43,477K |
| Net Income (quarter) | $694 | $1,345K |
Liquidity & funding
| Metric | State Bank & Trust CO. | Farmers Trust and Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 61.49% | 96.99% |
| Core Deposit Ratio | 97.23% | 95.94% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Bank & Trust CO. | Farmers Trust and Savings Bank |
|---|---|---|
| Headquarters City | NEVADA | WILLIAMSBURG |
| Headquarters State | IA | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 18 | 14 |
| Established | Feb. 25, 1939, midnight | Jan. 1, 1934, 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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