Bank Comparison
First Fidelity Bank vs Merchants Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Fidelity Bank | Merchants Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | 13.29% |
| Tier 1 Capital Ratio | — | 13.29% |
| Total Capital Ratio | — | 14.45% |
| Tier 1 Leverage Ratio | 10.32% | 11.29% |
| Equity / Assets | 8.51% | 11.62% |
Profitability
| Metric | First Fidelity Bank | Merchants Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 1.23% |
| Return on Equity (ROE) | 11.09% | 10.54% |
| Net Interest Margin (NIM) | 3.41% | 3.55% |
| Yield on Earning Assets | 5.17% | 5.24% |
| Cost of Funds | 1.88% | 1.79% |
Asset quality
| Metric | First Fidelity Bank | Merchants Bank, N.A. |
|---|---|---|
| Texas Ratio | 3.96% | 7.27% |
| Non-Performing Loan Ratio | 0.49% | 1.03% |
| Non-Performing Asset Ratio | 0.35% | 0.75% |
| Net Charge-Off Ratio | 0.03% | 0.07% |
| ACL / Loans | 1.20% | 1.30% |
Balance sheet
| Metric | First Fidelity Bank | Merchants Bank, N.A. |
|---|---|---|
| Total Assets | $2,933M | $2,930M |
| Total Deposits | $2,488M | $2,554M |
| Total Loans | $2,095M | $2,038M |
| Total Equity | $249,607K | $340,547K |
| Net Income (quarter) | $6,870K | $8,911K |
Liquidity & funding
| Metric | First Fidelity Bank | Merchants Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 84.19% | 79.79% |
| Core Deposit Ratio | 95.08% | 94.68% |
| Uninsured Deposit Ratio | 26.08% | 27.15% |
Identity
| Metric | First Fidelity Bank | Merchants Bank, N.A. |
|---|---|---|
| Headquarters City | OKLAHOMA CITY | WINONA |
| Headquarters State | OK | MN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 14488 |
| Regulator | FED | OCC |
| Domestic Branches | 27 | 22 |
| Employees (FTE) | 345 | 376 |
| Established | July 1, 1981, midnight | Jan. 1, 1875, 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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