Bank Comparison
Fidelity Federal Savings and Loan Association of Delaware vs Spencer County Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 10
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Spencer County Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 17.10% | 14.45% |
| Equity / Assets | 14.30% | 14.05% |
Profitability
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Spencer County Bank |
|---|---|---|
| Return on Assets (ROA) | 0.09% | 0.83% |
| Return on Equity (ROE) | 0.64% | 5.92% |
| Net Interest Margin (NIM) | 2.47% | 3.77% |
| Yield on Earning Assets | 4.18% | 5.12% |
| Cost of Funds | 2.01% | 1.48% |
Asset quality
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Spencer County Bank |
|---|---|---|
| Texas Ratio | 0.00% | 14.49% |
| Non-Performing Loan Ratio | 0.00% | 1.71% |
| Non-Performing Asset Ratio | 0.00% | 1.07% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 0.86% | 0.78% |
Balance sheet
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Spencer County Bank |
|---|---|---|
| Total Assets | $131,433K | $131,393K |
| Total Deposits | $98,859K | $112,217K |
| Total Loans | $77,572K | $79,008K |
| Total Equity | $18,795K | $18,463K |
| Net Income (quarter) | $30 | $272 |
Liquidity & funding
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Spencer County Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.47% | 70.41% |
| Core Deposit Ratio | 95.47% | 94.82% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fidelity Federal Savings and Loan Association of Delaware | Spencer County Bank |
|---|---|---|
| Headquarters City | DELAWARE | SANTA CLAUS |
| Headquarters State | OH | IN |
| Asset Tier | Small | Small |
| Charter Class | 703587 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 5 |
| Employees (FTE) | 18 | 43 |
| Established | Jan. 1, 1887, midnight | Aug. 19, 1927, 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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