Bank Comparison
Tri-valley Bank vs Farmers Bank of Lohman
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Tri-valley Bank | Farmers Bank of Lohman |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.24% | 17.14% |
| Equity / Assets | 5.80% | 15.14% |
Profitability
| Metric | Tri-valley Bank | Farmers Bank of Lohman |
|---|---|---|
| Return on Assets (ROA) | -0.20% | 1.05% |
| Return on Equity (ROE) | -3.35% | 6.96% |
| Net Interest Margin (NIM) | 4.10% | 2.98% |
| Yield on Earning Assets | 5.31% | 4.04% |
| Cost of Funds | 1.26% | 1.20% |
Asset quality
| Metric | Tri-valley Bank | Farmers Bank of Lohman |
|---|---|---|
| Texas Ratio | 42.47% | 0.05% |
| Non-Performing Loan Ratio | 4.82% | 0.00% |
| Non-Performing Asset Ratio | 3.05% | 0.00% |
| Net Charge-Off Ratio | 1.55% | 0.00% |
| ACL / Loans | 2.17% | 0.84% |
Balance sheet
| Metric | Tri-valley Bank | Farmers Bank of Lohman |
|---|---|---|
| Total Assets | $81,380K | $81,009K |
| Total Deposits | $76,413K | $68,353K |
| Total Loans | $51,497K | $25,054K |
| Total Equity | $4,723K | $12,263K |
| Net Income (quarter) | $-40 | $215 |
Liquidity & funding
| Metric | Tri-valley Bank | Farmers Bank of Lohman |
|---|---|---|
| Loan-to-Deposit Ratio | 67.39% | 36.65% |
| Core Deposit Ratio | 88.10% | 98.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tri-valley Bank | Farmers Bank of Lohman |
|---|---|---|
| Headquarters City | RANDOLPH | JEFFERSON CITY |
| Headquarters State | IA | MO |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 17 | 9 |
| Established | Jan. 1, 1917, midnight | Feb. 23, 1909, 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.
View full Tri-valley Bank profile | View full Farmers Bank of Lohman profile | Browse all bank comparisons