Bank Comparison
Fidelity State Bank and Trust Company, the vs Valley State Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Fidelity State Bank and Trust Company, the | Valley State Bank, the |
|---|---|---|
| CET1 Ratio | 152.49% | — |
| Tier 1 Capital Ratio | 152.49% | — |
| Total Capital Ratio | 153.75% | — |
| Tier 1 Leverage Ratio | 21.99% | 12.23% |
| Equity / Assets | 22.72% | 11.34% |
Profitability
| Metric | Fidelity State Bank and Trust Company, the | Valley State Bank, the |
|---|---|---|
| Return on Assets (ROA) | 2.40% | 0.71% |
| Return on Equity (ROE) | 11.05% | 6.29% |
| Net Interest Margin (NIM) | 3.45% | 4.04% |
| Yield on Earning Assets | 4.15% | 5.41% |
| Cost of Funds | 0.92% | 1.56% |
Asset quality
| Metric | Fidelity State Bank and Trust Company, the | Valley State Bank, the |
|---|---|---|
| Texas Ratio | 0.10% | 1.50% |
| Non-Performing Loan Ratio | 0.00% | 0.27% |
| Non-Performing Asset Ratio | 0.00% | 0.18% |
| Net Charge-Off Ratio | 0.00% | 0.26% |
| ACL / Loans | 3.11% | 1.14% |
Balance sheet
| Metric | Fidelity State Bank and Trust Company, the | Valley State Bank, the |
|---|---|---|
| Total Assets | $199,575K | $202,483K |
| Total Deposits | $152,144K | $175,358K |
| Total Loans | $20,251K | $109,156K |
| Total Equity | $45,351K | $22,958K |
| Net Income (quarter) | $1,241K | $360 |
Liquidity & funding
| Metric | Fidelity State Bank and Trust Company, the | Valley State Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 13.31% | 62.25% |
| Core Deposit Ratio | 98.02% | 88.33% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fidelity State Bank and Trust Company, the | Valley State Bank, the |
|---|---|---|
| Headquarters City | DODGE CITY | BELLE PLAINE |
| Headquarters State | KS | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 30 | 36 |
| Established | Jan. 2, 1933, midnight | Jan. 1, 1897, 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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