Bank Comparison
The Fidelity State Bank and Trust Company vs Community Bank of Elmhurst
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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winning metrics across 16 scored rows
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Capital adequacy
| Metric | The Fidelity State Bank and Trust Company | Community Bank of Elmhurst |
|---|---|---|
| CET1 Ratio | 153.07% | 15.24% |
| Tier 1 Capital Ratio | 153.07% | 15.24% |
| Total Capital Ratio | 154.34% | 16.50% |
| Tier 1 Leverage Ratio | 23.58% | 9.94% |
| Equity / Assets | 23.56% | 6.04% |
Profitability
| Metric | The Fidelity State Bank and Trust Company | Community Bank of Elmhurst |
|---|---|---|
| Return on Assets (ROA) | 1.88% | 0.63% |
| Return on Equity (ROE) | 8.10% | 10.69% |
| Net Interest Margin (NIM) | 3.82% | 3.64% |
| Yield on Earning Assets | 4.51% | 5.17% |
| Cost of Funds | 0.88% | 1.58% |
Asset quality
| Metric | The Fidelity State Bank and Trust Company | Community Bank of Elmhurst |
|---|---|---|
| Texas Ratio | 0.14% | 4.86% |
| Non-Performing Loan Ratio | 0.00% | 0.53% |
| Non-Performing Asset Ratio | 0.00% | 0.35% |
| Net Charge-Off Ratio | 0.00% | 0.18% |
| ACL / Loans | 3.02% | 1.69% |
Balance sheet
| Metric | The Fidelity State Bank and Trust Company | Community Bank of Elmhurst |
|---|---|---|
| Total Assets | $194.8M | $194.5M |
| Total Deposits | $147.2M | $176.9M |
| Total Loans | $20.5M | $127.5M |
| Total Equity | $45.9M | $11.7M |
| Net Income (quarter) | $924K | $309K |
Liquidity & funding
| Metric | The Fidelity State Bank and Trust Company | Community Bank of Elmhurst |
|---|---|---|
| Loan-to-Deposit Ratio | 13.94% | 72.06% |
| Core Deposit Ratio | 98.14% | 85.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Fidelity State Bank and Trust Company | Community Bank of Elmhurst |
|---|---|---|
| Headquarters City | Dodge City | Elmhurst |
| Headquarters State | KS | IL |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FED | FED |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 28 | 29 |
| Established | January 2, 1933 | May 24, 1993 |
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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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