Bank Comparison
The Farmers Savings Bank vs Peoples Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | The Farmers Savings Bank | Peoples Bank, the |
|---|---|---|
| CET1 Ratio | 53.31% | 24.82% |
| Tier 1 Capital Ratio | 53.31% | 24.82% |
| Total Capital Ratio | 54.57% | 26.07% |
| Tier 1 Leverage Ratio | 27.86% | 13.92% |
| Equity / Assets | 19.34% | 13.51% |
Profitability
| Metric | The Farmers Savings Bank | Peoples Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.33% | 1.11% |
| Return on Equity (ROE) | 7.05% | 8.43% |
| Net Interest Margin (NIM) | 3.36% | 4.12% |
| Yield on Earning Assets | 4.77% | 4.48% |
| Cost of Funds | 1.73% | 0.41% |
Asset quality
| Metric | The Farmers Savings Bank | Peoples Bank, the |
|---|---|---|
| Texas Ratio | 2.37% | 1.74% |
| Non-Performing Loan Ratio | 1.30% | 0.39% |
| Non-Performing Asset Ratio | 0.48% | 0.24% |
| Net Charge-Off Ratio | -0.03% | 0.00% |
| ACL / Loans | 3.01% | 1.38% |
Balance sheet
| Metric | The Farmers Savings Bank | Peoples Bank, the |
|---|---|---|
| Total Assets | $293,136K | $293,238K |
| Total Deposits | $235,734K | $252,016K |
| Total Loans | $108,908K | $178,776K |
| Total Equity | $56,688K | $39,631K |
| Net Income (quarter) | $958 | $825 |
Liquidity & funding
| Metric | The Farmers Savings Bank | Peoples Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 46.20% | 70.94% |
| Core Deposit Ratio | 77.95% | 97.85% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Farmers Savings Bank | Peoples Bank, the |
|---|---|---|
| Headquarters City | Spencer | CHESTERTOWN |
| Headquarters State | OH | MD |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 1 |
| Employees (FTE) | 23 | 79 |
| Established | Jan. 1, 1925, midnight | Oct. 1, 1910, 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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