Bank Comparison
Fidelity Bank, the vs Arrow Bank N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Fidelity Bank, the | Arrow Bank N.A. |
|---|---|---|
| CET1 Ratio | 16.25% | 13.41% |
| Tier 1 Capital Ratio | 16.25% | 13.41% |
| Total Capital Ratio | 17.50% | 14.53% |
| Tier 1 Leverage Ratio | 11.30% | 9.62% |
| Equity / Assets | 9.98% | 9.72% |
Profitability
| Metric | Fidelity Bank, the | Arrow Bank N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.67% | 1.23% |
| Return on Equity (ROE) | 17.34% | 12.53% |
| Net Interest Margin (NIM) | 3.88% | 3.45% |
| Yield on Earning Assets | 4.72% | 5.11% |
| Cost of Funds | 0.94% | 1.76% |
Asset quality
| Metric | Fidelity Bank, the | Arrow Bank N.A. |
|---|---|---|
| Texas Ratio | 3.64% | 1.22% |
| Non-Performing Loan Ratio | 0.52% | 0.14% |
| Non-Performing Asset Ratio | 0.37% | 0.11% |
| Net Charge-Off Ratio | 0.08% | 0.09% |
| ACL / Loans | 1.26% | 0.99% |
Balance sheet
| Metric | Fidelity Bank, the | Arrow Bank N.A. |
|---|---|---|
| Total Assets | $4,498M | $4,500M |
| Total Deposits | $4,028M | $4,014M |
| Total Loans | $2,880M | $3,438M |
| Total Equity | $448,895K | $437,460K |
| Net Income (quarter) | $19,110K | $13,581K |
Liquidity & funding
| Metric | Fidelity Bank, the | Arrow Bank N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 71.51% | 85.66% |
| Core Deposit Ratio | 95.07% | 96.49% |
| Uninsured Deposit Ratio | 36.78% | 27.39% |
Identity
| Metric | Fidelity Bank, the | Arrow Bank N.A. |
|---|---|---|
| Headquarters City | FUQUAY VARINA | GLENS FALLS |
| Headquarters State | NC | NY |
| Asset Tier | Large | Large |
| Charter Class | 0 | 7699 |
| Regulator | FDIC | OCC |
| Domestic Branches | 55 | 38 |
| Employees (FTE) | 563 | 602 |
| Established | Jan. 1, 1909, midnight | Jan. 1, 1851, 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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