Bank Comparison
Fidelity State Bank and Trust Company vs First National Bank in Cimarron
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 7
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Fidelity State Bank and Trust Company | First National Bank in Cimarron |
|---|---|---|
| CET1 Ratio | 19.24% | 15.86% |
| Tier 1 Capital Ratio | 19.24% | 15.86% |
| Total Capital Ratio | 20.40% | 16.93% |
| Tier 1 Leverage Ratio | 9.35% | 8.93% |
| Equity / Assets | 9.38% | 6.48% |
Profitability
| Metric | Fidelity State Bank and Trust Company | First National Bank in Cimarron |
|---|---|---|
| Return on Assets (ROA) | 1.63% | 2.11% |
| Return on Equity (ROE) | 17.78% | 35.87% |
| Net Interest Margin (NIM) | 4.12% | 3.88% |
| Yield on Earning Assets | 5.38% | 4.97% |
| Cost of Funds | 1.35% | 1.15% |
Asset quality
| Metric | Fidelity State Bank and Trust Company | First National Bank in Cimarron |
|---|---|---|
| Texas Ratio | 0.17% | 0.74% |
| Non-Performing Loan Ratio | 0.00% | 0.11% |
| Non-Performing Asset Ratio | 0.00% | 0.05% |
| Net Charge-Off Ratio | 0.21% | 0.00% |
| ACL / Loans | 1.23% | 1.05% |
Balance sheet
| Metric | Fidelity State Bank and Trust Company | First National Bank in Cimarron |
|---|---|---|
| Total Assets | $147,665K | $145,791K |
| Total Deposits | $115,878K | $134,208K |
| Total Loans | $68,057K | $69,674K |
| Total Equity | $13,846K | $9,446K |
| Net Income (quarter) | $605 | $812 |
Liquidity & funding
| Metric | Fidelity State Bank and Trust Company | First National Bank in Cimarron |
|---|---|---|
| Loan-to-Deposit Ratio | 58.73% | 51.91% |
| Core Deposit Ratio | 95.71% | 83.77% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fidelity State Bank and Trust Company | First National Bank in Cimarron |
|---|---|---|
| Headquarters City | Topeka | CIMARRON |
| Headquarters State | KS | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 13329 |
| Regulator | FDIC | OCC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 29 | 19 |
| Established | April 29, 1922, midnight | May 21, 1929, 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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