Bank Comparison
Farmers Trust and Savings Bank vs Fidelity Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Farmers Trust and Savings Bank | Fidelity Bank |
|---|---|---|
| CET1 Ratio | — | 11.00% |
| Tier 1 Capital Ratio | — | 11.00% |
| Total Capital Ratio | — | 11.75% |
| Tier 1 Leverage Ratio | 22.31% | 8.03% |
| Equity / Assets | 21.92% | 6.92% |
Profitability
| Metric | Farmers Trust and Savings Bank | Fidelity Bank |
|---|---|---|
| Return on Assets (ROA) | 2.72% | -0.04% |
| Return on Equity (ROE) | 12.48% | -0.54% |
| Net Interest Margin (NIM) | 4.32% | 3.66% |
| Yield on Earning Assets | 5.68% | 6.08% |
| Cost of Funds | 1.73% | 2.42% |
Asset quality
| Metric | Farmers Trust and Savings Bank | Fidelity Bank |
|---|---|---|
| Texas Ratio | 1.32% | 9.55% |
| Non-Performing Loan Ratio | 0.35% | 0.71% |
| Non-Performing Asset Ratio | 0.29% | 0.52% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 0.41% | 0.64% |
Balance sheet
| Metric | Farmers Trust and Savings Bank | Fidelity Bank |
|---|---|---|
| Total Assets | $198,353K | $198,429K |
| Total Deposits | $152,442K | $167,254K |
| Total Loans | $147,849K | $144,819K |
| Total Equity | $43,477K | $13,726K |
| Net Income (quarter) | $1,345K | $-19 |
Liquidity & funding
| Metric | Farmers Trust and Savings Bank | Fidelity Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.99% | 86.59% |
| Core Deposit Ratio | 95.94% | 81.43% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Farmers Trust and Savings Bank | Fidelity Bank |
|---|---|---|
| Headquarters City | WILLIAMSBURG | SAVANNA |
| Headquarters State | IA | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 2 | 6 |
| Employees (FTE) | 14 | 59 |
| Established | Jan. 1, 1934, midnight | Jan. 1, 1920, 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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