Bank Comparison
The Old Point National Bank of Phoebus vs Farmers & Merchants Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | The Old Point National Bank of Phoebus | Farmers & Merchants Bank |
|---|---|---|
| CET1 Ratio | 13.29% | 13.18% |
| Tier 1 Capital Ratio | 13.29% | 13.18% |
| Total Capital Ratio | 14.36% | 14.10% |
| Tier 1 Leverage Ratio | 10.57% | 8.84% |
| Equity / Assets | 9.94% | 7.80% |
Profitability
| Metric | The Old Point National Bank of Phoebus | Farmers & Merchants Bank |
|---|---|---|
| Return on Assets (ROA) | 0.68% | 0.93% |
| Return on Equity (ROE) | 7.11% | 12.04% |
| Net Interest Margin (NIM) | 3.70% | 3.52% |
| Yield on Earning Assets | 5.21% | 5.30% |
| Cost of Funds | 1.60% | 1.85% |
Asset quality
| Metric | The Old Point National Bank of Phoebus | Farmers & Merchants Bank |
|---|---|---|
| Texas Ratio | 1.16% | 8.93% |
| Non-Performing Loan Ratio | 0.04% | 1.14% |
| Non-Performing Asset Ratio | 0.06% | 0.73% |
| Net Charge-Off Ratio | 0.13% | 0.09% |
| ACL / Loans | 1.19% | 0.88% |
Balance sheet
| Metric | The Old Point National Bank of Phoebus | Farmers & Merchants Bank |
|---|---|---|
| Total Assets | $1,395M | $1,407M |
| Total Deposits | $1,209M | $1,283M |
| Total Loans | $1,006M | $900,558K |
| Total Equity | $138,724K | $109,749K |
| Net Income (quarter) | $2,453K | $3,278K |
Liquidity & funding
| Metric | The Old Point National Bank of Phoebus | Farmers & Merchants Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.17% | 70.15% |
| Core Deposit Ratio | 94.20% | 97.10% |
| Uninsured Deposit Ratio | 17.45% | 13.85% |
Identity
| Metric | The Old Point National Bank of Phoebus | Farmers & Merchants Bank |
|---|---|---|
| Headquarters City | Hampton | TIMBERVILLE |
| Headquarters State | VA | VA |
| Asset Tier | Large | Large |
| Charter Class | 12267 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 14 | 15 |
| Employees (FTE) | 217 | 179 |
| Established | Nov. 4, 1922, midnight | Jan. 1, 1908, 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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