Bank Comparison
First Fidelity Bank vs Armstrong Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Fidelity Bank | Armstrong Bank |
|---|---|---|
| CET1 Ratio | — | 13.69% |
| Tier 1 Capital Ratio | — | 13.69% |
| Total Capital Ratio | — | 14.77% |
| Tier 1 Leverage Ratio | 10.32% | 10.34% |
| Equity / Assets | 8.51% | 8.01% |
Profitability
| Metric | First Fidelity Bank | Armstrong Bank |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 1.24% |
| Return on Equity (ROE) | 11.09% | 16.25% |
| Net Interest Margin (NIM) | 3.41% | 3.93% |
| Yield on Earning Assets | 5.17% | 5.81% |
| Cost of Funds | 1.88% | 2.02% |
Asset quality
| Metric | First Fidelity Bank | Armstrong Bank |
|---|---|---|
| Texas Ratio | 3.96% | 3.50% |
| Non-Performing Loan Ratio | 0.49% | 0.31% |
| Non-Performing Asset Ratio | 0.35% | 0.28% |
| Net Charge-Off Ratio | 0.03% | 0.12% |
| ACL / Loans | 1.20% | 1.08% |
Balance sheet
| Metric | First Fidelity Bank | Armstrong Bank |
|---|---|---|
| Total Assets | $2,933M | $2,712M |
| Total Deposits | $2,488M | $2,458M |
| Total Loans | $2,095M | $2,017M |
| Total Equity | $249,607K | $217,327K |
| Net Income (quarter) | $6,870K | $8,594K |
Liquidity & funding
| Metric | First Fidelity Bank | Armstrong Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.19% | 82.07% |
| Core Deposit Ratio | 95.08% | 90.46% |
| Uninsured Deposit Ratio | 26.08% | 23.15% |
Identity
| Metric | First Fidelity Bank | Armstrong Bank |
|---|---|---|
| Headquarters City | OKLAHOMA CITY | MUSKOGEE |
| Headquarters State | OK | OK |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 27 | 31 |
| Employees (FTE) | 345 | 424 |
| Established | July 1, 1981, midnight | March 15, 1910, 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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