Bank Comparison
The State Bank vs Farmers Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | The State Bank | Farmers Savings Bank |
|---|---|---|
| CET1 Ratio | 31.82% | — |
| Tier 1 Capital Ratio | 31.82% | — |
| Total Capital Ratio | 33.08% | — |
| Tier 1 Leverage Ratio | 18.14% | 16.40% |
| Equity / Assets | 17.92% | 14.93% |
Profitability
| Metric | The State Bank | Farmers Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 4.49% | 1.38% |
| Return on Equity (ROE) | 26.64% | 9.04% |
| Net Interest Margin (NIM) | 4.55% | 3.85% |
| Yield on Earning Assets | 5.33% | 4.83% |
| Cost of Funds | 0.90% | 1.08% |
Asset quality
| Metric | The State Bank | Farmers Savings Bank |
|---|---|---|
| Texas Ratio | 1.49% | 2.64% |
| Non-Performing Loan Ratio | 0.54% | 0.62% |
| Non-Performing Asset Ratio | 0.28% | 0.41% |
| Net Charge-Off Ratio | 0.02% | 0.00% |
| ACL / Loans | 1.61% | 0.86% |
Balance sheet
| Metric | The State Bank | Farmers Savings Bank |
|---|---|---|
| Total Assets | $144,967K | $144,982K |
| Total Deposits | $118,703K | $121,621K |
| Total Loans | $74,241K | $96,122K |
| Total Equity | $25,984K | $21,652K |
| Net Income (quarter) | $1,671K | $486 |
Liquidity & funding
| Metric | The State Bank | Farmers Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 62.54% | 79.03% |
| Core Deposit Ratio | 95.06% | 97.97% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The State Bank | Farmers Savings Bank |
|---|---|---|
| Headquarters City | La Junta | MARSHALLTOWN |
| Headquarters State | CO | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 25 | 23 |
| Established | Jan. 16, 1893, midnight | April 1, 1894, 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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