Bank Comparison
Jarrettsville Federal Savings and Loan Association vs Fidelity Bank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Jarrettsville Federal Savings and Loan Association | Fidelity Bank of Texas |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.29% | 10.90% |
| Equity / Assets | 11.63% | 14.81% |
Profitability
| Metric | Jarrettsville Federal Savings and Loan Association | Fidelity Bank of Texas |
|---|---|---|
| Return on Assets (ROA) | 0.07% | -0.38% |
| Return on Equity (ROE) | 0.60% | -2.49% |
| Net Interest Margin (NIM) | 2.47% | 4.29% |
| Yield on Earning Assets | 4.55% | 6.20% |
| Cost of Funds | 2.32% | 2.02% |
Asset quality
| Metric | Jarrettsville Federal Savings and Loan Association | Fidelity Bank of Texas |
|---|---|---|
| Texas Ratio | 2.69% | 4.09% |
| Non-Performing Loan Ratio | 0.27% | 0.00% |
| Non-Performing Asset Ratio | 0.19% | 0.00% |
| Net Charge-Off Ratio | 0.00% | -0.02% |
| ACL / Loans | 1.05% | 0.67% |
Balance sheet
| Metric | Jarrettsville Federal Savings and Loan Association | Fidelity Bank of Texas |
|---|---|---|
| Total Assets | $165,246K | $165,381K |
| Total Deposits | $145,208K | $134,922K |
| Total Loans | $116,148K | $103,447K |
| Total Equity | $19,211K | $24,492K |
| Net Income (quarter) | $29 | $-153 |
Liquidity & funding
| Metric | Jarrettsville Federal Savings and Loan Association | Fidelity Bank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 79.99% | 76.67% |
| Core Deposit Ratio | 88.69% | 80.16% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Jarrettsville Federal Savings and Loan Association | Fidelity Bank of Texas |
|---|---|---|
| Headquarters City | JARRETTSVILLE | WACO |
| Headquarters State | MD | TX |
| Asset Tier | Small | Small |
| Charter Class | 706351 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 14 | 39 |
| Established | Jan. 1, 1876, 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.
View full Jarrettsville Federal Savings and Loan Association profile | View full Fidelity Bank of Texas profile | Browse all bank comparisons