Bank Comparison
Wsb Municipal Bank vs Farmers Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 8
winning metrics across 17 comparable rows
Capital adequacy
| Metric | Wsb Municipal Bank | Farmers Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.89% | 9.43% |
| Equity / Assets | 14.52% | 7.24% |
Profitability
| Metric | Wsb Municipal Bank | Farmers Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.98% | 1.17% |
| Return on Equity (ROE) | 13.74% | 16.55% |
| Net Interest Margin (NIM) | 2.62% | 3.73% |
| Yield on Earning Assets | 3.11% | 5.10% |
| Cost of Funds | 0.72% | 1.40% |
Asset quality
| Metric | Wsb Municipal Bank | Farmers Bank & Trust |
|---|---|---|
| Texas Ratio | 0.00% | 9.38% |
| Non-Performing Loan Ratio | — | 1.38% |
| Non-Performing Asset Ratio | 0.00% | 0.73% |
| Net Charge-Off Ratio | — | 5.75% |
| ACL / Loans | — | 1.17% |
Balance sheet
| Metric | Wsb Municipal Bank | Farmers Bank & Trust |
|---|---|---|
| Total Assets | $157,991K | $158,054K |
| Total Deposits | $120,158K | $145,921K |
| Total Loans | $0 | $83,341K |
| Total Equity | $22,935K | $11,441K |
| Net Income (quarter) | $781 | $476 |
Liquidity & funding
| Metric | Wsb Municipal Bank | Farmers Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 0.00% | 57.11% |
| Core Deposit Ratio | 93.33% | 93.12% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Wsb Municipal Bank | Farmers Bank & Trust |
|---|---|---|
| Headquarters City | WATERTOWN | ATWOOD |
| Headquarters State | NY | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 0 | 23 |
| Established | April 24, 1913, midnight | Jan. 1, 1914, 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 Wsb Municipal Bank profile | View full Farmers Bank & Trust profile | Browse all bank comparisons