Bank Comparison
The Farmers Bank, Frankfort, Indiana vs Liberty Savings Bank, F.S.B.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 4
winning metrics across 21 comparable rows
Capital adequacy
| Metric | The Farmers Bank, Frankfort, Indiana | Liberty Savings Bank, F.S.B. |
|---|---|---|
| CET1 Ratio | — | 17.39% |
| Tier 1 Capital Ratio | — | 17.39% |
| Total Capital Ratio | — | 18.64% |
| Tier 1 Leverage Ratio | 10.03% | 9.43% |
| Equity / Assets | 8.48% | 7.37% |
Profitability
| Metric | The Farmers Bank, Frankfort, Indiana | Liberty Savings Bank, F.S.B. |
|---|---|---|
| Return on Assets (ROA) | 0.99% | -0.11% |
| Return on Equity (ROE) | 11.65% | -1.51% |
| Net Interest Margin (NIM) | 3.35% | 1.52% |
| Yield on Earning Assets | 5.55% | 4.64% |
| Cost of Funds | 2.39% | 3.41% |
Asset quality
| Metric | The Farmers Bank, Frankfort, Indiana | Liberty Savings Bank, F.S.B. |
|---|---|---|
| Texas Ratio | 4.38% | 16.56% |
| Non-Performing Loan Ratio | 0.44% | 1.61% |
| Non-Performing Asset Ratio | 0.31% | 1.34% |
| Net Charge-Off Ratio | 0.02% | 0.28% |
| ACL / Loans | 1.37% | 0.99% |
Balance sheet
| Metric | The Farmers Bank, Frankfort, Indiana | Liberty Savings Bank, F.S.B. |
|---|---|---|
| Total Assets | $1,122M | $1,123M |
| Total Deposits | $920,985K | $991,223K |
| Total Loans | $793,646K | $802,997K |
| Total Equity | $95,203K | $82,800K |
| Net Income (quarter) | $2,776K | $-314 |
Liquidity & funding
| Metric | The Farmers Bank, Frankfort, Indiana | Liberty Savings Bank, F.S.B. |
|---|---|---|
| Loan-to-Deposit Ratio | 86.17% | 81.01% |
| Core Deposit Ratio | 89.11% | 85.74% |
| Uninsured Deposit Ratio | 45.53% | 21.94% |
Identity
| Metric | The Farmers Bank, Frankfort, Indiana | Liberty Savings Bank, F.S.B. |
|---|---|---|
| Headquarters City | Frankfort | WILMINGTON |
| Headquarters State | IN | OH |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 0 | 708039 |
| Regulator | FDIC | OCC |
| Domestic Branches | 12 | 6 |
| Employees (FTE) | 153 | 92 |
| Established | Jan. 1, 1876, midnight | Sept. 14, 1984, 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 March 31, 2026. 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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