Bank Comparison
Fidelity Federal Savings and Loan Association of Delaware vs Citizens Bank, National Association
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 10
winning metrics across 16 comparable rows
Capital adequacy
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Citizens Bank, National Association |
|---|---|---|
| CET1 Ratio | — | 13.27% |
| Tier 1 Capital Ratio | — | 13.27% |
| Total Capital Ratio | — | 14.49% |
| Tier 1 Leverage Ratio | 17.10% | 9.89% |
| Equity / Assets | 14.30% | 11.17% |
Profitability
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Citizens Bank, National Association |
|---|---|---|
| Return on Assets (ROA) | 0.09% | 1.37% |
| Return on Equity (ROE) | 0.64% | 12.33% |
| Net Interest Margin (NIM) | 2.47% | 3.75% |
| Yield on Earning Assets | 4.18% | 5.66% |
| Cost of Funds | 2.01% | 2.01% |
Asset quality
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Citizens Bank, National Association |
|---|---|---|
| Texas Ratio | 0.00% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.00% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 0.86% | 1.55% |
Balance sheet
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Citizens Bank, National Association |
|---|---|---|
| Total Assets | $131,433K | $131,721K |
| Total Deposits | $98,859K | $116,558K |
| Total Loans | $77,572K | $74,744K |
| Total Equity | $18,795K | $14,710K |
| Net Income (quarter) | $30 | $454 |
Liquidity & funding
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Citizens Bank, National Association |
|---|---|---|
| Loan-to-Deposit Ratio | 78.47% | 64.13% |
| Core Deposit Ratio | 95.47% | 70.24% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Citizens Bank, National Association |
|---|---|---|
| Headquarters City | DELAWARE | Abilene |
| Headquarters State | OH | TX |
| Asset Tier | Small | Small |
| Charter Class | 703587 | 23834 |
| Regulator | OCC | OCC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 18 | 20 |
| Established | Jan. 1, 1887, midnight | Jan. 1, 1923, 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 Fidelity Federal Savings and Loan Association of Delaware profile | View full Citizens Bank, National Association profile | Browse all bank comparisons