Bank Comparison
Fidelity Bank of Texas vs First National Bank in Ord
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Fidelity Bank of Texas | First National Bank in Ord |
|---|---|---|
| CET1 Ratio | — | 22.92% |
| Tier 1 Capital Ratio | — | 22.92% |
| Total Capital Ratio | — | 24.17% |
| Tier 1 Leverage Ratio | 10.90% | 11.42% |
| Equity / Assets | 14.81% | 11.26% |
Profitability
| Metric | Fidelity Bank of Texas | First National Bank in Ord |
|---|---|---|
| Return on Assets (ROA) | -0.38% | 2.16% |
| Return on Equity (ROE) | -2.49% | 19.30% |
| Net Interest Margin (NIM) | 4.29% | 3.80% |
| Yield on Earning Assets | 6.20% | 4.98% |
| Cost of Funds | 2.02% | 1.31% |
Asset quality
| Metric | Fidelity Bank of Texas | First National Bank in Ord |
|---|---|---|
| Texas Ratio | 4.09% | 1.29% |
| Non-Performing Loan Ratio | 0.00% | 0.31% |
| Non-Performing Asset Ratio | 0.00% | 0.16% |
| Net Charge-Off Ratio | -0.02% | -0.01% |
| ACL / Loans | 0.67% | 1.61% |
Balance sheet
| Metric | Fidelity Bank of Texas | First National Bank in Ord |
|---|---|---|
| Total Assets | $165,381K | $165,392K |
| Total Deposits | $134,922K | $146,523K |
| Total Loans | $103,447K | $83,454K |
| Total Equity | $24,492K | $18,623K |
| Net Income (quarter) | $-153 | $884 |
Liquidity & funding
| Metric | Fidelity Bank of Texas | First National Bank in Ord |
|---|---|---|
| Loan-to-Deposit Ratio | 76.67% | 56.96% |
| Core Deposit Ratio | 80.16% | 93.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fidelity Bank of Texas | First National Bank in Ord |
|---|---|---|
| Headquarters City | WACO | ORD |
| Headquarters State | TX | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 13557 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 3 |
| Employees (FTE) | 39 | 25 |
| Established | March 1, 1974, midnight | Jan. 1, 1882, 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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