Bank Comparison
Lake Ridge Bank vs Fidelity Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 12
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Lake Ridge Bank | Fidelity Bank, N.A. |
|---|---|---|
| CET1 Ratio | 11.52% | 10.91% |
| Tier 1 Capital Ratio | 11.52% | 10.91% |
| Total Capital Ratio | 12.53% | 12.09% |
| Tier 1 Leverage Ratio | 9.64% | 9.92% |
| Equity / Assets | 10.22% | 9.70% |
Profitability
| Metric | Lake Ridge Bank | Fidelity Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 0.94% | 1.08% |
| Return on Equity (ROE) | 9.24% | 10.89% |
| Net Interest Margin (NIM) | 3.26% | 3.88% |
| Yield on Earning Assets | 5.33% | 6.09% |
| Cost of Funds | 2.23% | 2.23% |
Asset quality
| Metric | Lake Ridge Bank | Fidelity Bank, N.A. |
|---|---|---|
| Texas Ratio | 3.51% | 12.66% |
| Non-Performing Loan Ratio | 0.40% | 0.96% |
| Non-Performing Asset Ratio | 0.34% | 1.33% |
| Net Charge-Off Ratio | 0.04% | -0.16% |
| ACL / Loans | 1.02% | 1.30% |
Balance sheet
| Metric | Lake Ridge Bank | Fidelity Bank, N.A. |
|---|---|---|
| Total Assets | $3,334M | $3,345M |
| Total Deposits | $2,764M | $2,656M |
| Total Loans | $2,443M | $2,636M |
| Total Equity | $340,777K | $324,480K |
| Net Income (quarter) | $7,859K | $8,823K |
Liquidity & funding
| Metric | Lake Ridge Bank | Fidelity Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 88.37% | 99.25% |
| Core Deposit Ratio | 98.17% | 96.31% |
| Uninsured Deposit Ratio | 29.37% | 35.84% |
Identity
| Metric | Lake Ridge Bank | Fidelity Bank, N.A. |
|---|---|---|
| Headquarters City | MIDDLETON | WICHITA |
| Headquarters State | WI | KS |
| Asset Tier | Large | Large |
| Charter Class | 0 | 25188 |
| Regulator | FDIC | OCC |
| Domestic Branches | 20 | 16 |
| Employees (FTE) | 372 | 403 |
| Established | Jan. 1, 1908, midnight | Jan. 1, 1956, 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 Lake Ridge Bank profile | View full Fidelity Bank, N.A. profile | Browse all bank comparisons