Bank Comparison
First National Bank of Fort Stockton vs Fidelity Bank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 9
winning metrics across 18 comparable rows
Capital adequacy
| Metric | First National Bank of Fort Stockton | Fidelity Bank of Texas |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.80% | 10.90% |
| Equity / Assets | 9.24% | 14.81% |
Profitability
| Metric | First National Bank of Fort Stockton | Fidelity Bank of Texas |
|---|---|---|
| Return on Assets (ROA) | 0.91% | -0.38% |
| Return on Equity (ROE) | 9.81% | -2.49% |
| Net Interest Margin (NIM) | 4.56% | 4.29% |
| Yield on Earning Assets | 5.72% | 6.20% |
| Cost of Funds | 1.25% | 2.02% |
Asset quality
| Metric | First National Bank of Fort Stockton | Fidelity Bank of Texas |
|---|---|---|
| Texas Ratio | 30.86% | 4.09% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 3.15% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 2.33% | 0.67% |
Balance sheet
| Metric | First National Bank of Fort Stockton | Fidelity Bank of Texas |
|---|---|---|
| Total Assets | $163,850K | $165,381K |
| Total Deposits | $148,139K | $134,922K |
| Total Loans | $79,753K | $103,447K |
| Total Equity | $15,133K | $24,492K |
| Net Income (quarter) | $370 | $-153 |
Liquidity & funding
| Metric | First National Bank of Fort Stockton | Fidelity Bank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 53.84% | 76.67% |
| Core Deposit Ratio | 94.50% | 80.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank of Fort Stockton | Fidelity Bank of Texas |
|---|---|---|
| Headquarters City | FORT STOCKTON | WACO |
| Headquarters State | TX | TX |
| Asset Tier | Small | Small |
| Charter Class | 14842 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2 | 2 |
| Employees (FTE) | 24 | 39 |
| Established | Oct. 1, 1958, midnight | March 1, 1974, 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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