Bank Comparison
Texas National Bank vs First Farmers & Merchants National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 10
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Texas National Bank | First Farmers & Merchants National Bank |
|---|---|---|
| CET1 Ratio | 28.44% | 11.53% |
| Tier 1 Capital Ratio | 28.44% | 11.53% |
| Total Capital Ratio | 29.52% | 12.64% |
| Tier 1 Leverage Ratio | 11.00% | 10.07% |
| Equity / Assets | 6.89% | 9.52% |
Profitability
| Metric | Texas National Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Return on Assets (ROA) | 0.33% | 0.94% |
| Return on Equity (ROE) | 4.88% | 10.13% |
| Net Interest Margin (NIM) | 2.86% | 3.91% |
| Yield on Earning Assets | 3.77% | 5.88% |
| Cost of Funds | 0.95% | 2.21% |
Asset quality
| Metric | Texas National Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Texas Ratio | 0.00% | 2.70% |
| Non-Performing Loan Ratio | 0.00% | 0.07% |
| Non-Performing Asset Ratio | 0.00% | 0.06% |
| Net Charge-Off Ratio | -0.03% | 0.38% |
| ACL / Loans | 1.61% | 1.16% |
Balance sheet
| Metric | Texas National Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Total Assets | $141,036K | $141,184K |
| Total Deposits | $130,556K | $119,460K |
| Total Loans | $37,389K | $118,352K |
| Total Equity | $9,723K | $13,440K |
| Net Income (quarter) | $122 | $340 |
Liquidity & funding
| Metric | Texas National Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 28.64% | 99.07% |
| Core Deposit Ratio | 93.65% | 95.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Texas National Bank | First Farmers & Merchants National Bank |
|---|---|---|
| Headquarters City | SWEETWATER | FAIRMONT |
| Headquarters State | TX | MN |
| Asset Tier | Small | Small |
| Charter Class | 22807 | 22351 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 24 | 16 |
| Established | May 8, 1995, midnight | Sept. 7, 1990, 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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