Bank Comparison
Superior Savings Bank vs Farmers and Merchants Bank of Craig County, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Superior Savings Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.02% | 16.68% |
| Equity / Assets | 17.71% | 16.62% |
Profitability
| Metric | Superior Savings Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Return on Assets (ROA) | 0.93% | 1.25% |
| Return on Equity (ROE) | 5.50% | 7.48% |
| Net Interest Margin (NIM) | 3.85% | 3.64% |
| Yield on Earning Assets | 5.33% | 4.82% |
| Cost of Funds | 1.81% | 1.38% |
Asset quality
| Metric | Superior Savings Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Texas Ratio | 4.80% | 0.22% |
| Non-Performing Loan Ratio | 1.07% | 0.00% |
| Non-Performing Asset Ratio | 0.94% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 2.14% | 1.24% |
Balance sheet
| Metric | Superior Savings Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Total Assets | $93,881K | $93,499K |
| Total Deposits | $76,900K | $77,575K |
| Total Loans | $82,445K | $60,367K |
| Total Equity | $16,631K | $15,539K |
| Net Income (quarter) | $227 | $291 |
Liquidity & funding
| Metric | Superior Savings Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Loan-to-Deposit Ratio | 107.21% | 77.82% |
| Core Deposit Ratio | 100.00% | 93.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Superior Savings Bank | Farmers and Merchants Bank of Craig County, the |
|---|---|---|
| Headquarters City | SUPERIOR | NEW CASTLE |
| Headquarters State | WI | VA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 15 | 16 |
| Established | Jan. 1, 1924, midnight | May 2, 1917, 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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