City Bank&Trust Co vs Farmers-Merchants B&T Co
Side-by-side bank health comparison using FDIC financial data
City Bank&Trust Co (A) and Farmers-Merchants B&T Co (A) are close on the BankHealth rubric. Asset bases: $335M versus $447M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
City Bank&Trust Co has a stronger Bank Health Score of 98/100 (A) compared to Farmers-Merchants B&T Co at 96/100 (A), a difference of 2 points. City Bank&Trust Co holds a Tier 1 capital ratio of 17.41% and an NPL ratio of 0.01%.
| Metric | City Bank&Trust Co | Farmers-Merchants B&T Co |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 98/100 (A)* | 96/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 17.4% | 18.4%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.6% |
| Liquidity Ratio Cash and liquid assets vs obligations | 39.3%* | 38.6% |
| Return on Assets Profitability metric (above 1% is strong) | 1.4% | 1.8%* |
| Total Assets | $335M | $447M |
| Total Deposits | $274M | $333M |
| Location | Natchitoches, Louisiana | Breaux Bridge, Louisiana |
City Bank&Trust Co has a stronger Bank Health Score of 98/100 (A) compared to Farmers-Merchants B&T Co at 96/100 (A), a difference of 2 points. City Bank&Trust Co holds a Tier 1 capital ratio of 17.41% and an NPL ratio of 0.01%.