Bank Comparison
Miami Savings Bank vs Fidelity Federal Savings and Loan Association of Delaware
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 4
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Miami Savings Bank | Fidelity Federal Savings and Loan Association of Delaware |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 22.20% | 17.10% |
| Equity / Assets | 22.12% | 14.30% |
Profitability
| Metric | Miami Savings Bank | Fidelity Federal Savings and Loan Association of Delaware |
|---|---|---|
| Return on Assets (ROA) | 0.94% | 0.09% |
| Return on Equity (ROE) | 4.24% | 0.64% |
| Net Interest Margin (NIM) | 3.57% | 2.47% |
| Yield on Earning Assets | 4.86% | 4.18% |
| Cost of Funds | 1.57% | 2.01% |
Asset quality
| Metric | Miami Savings Bank | Fidelity Federal Savings and Loan Association of Delaware |
|---|---|---|
| Texas Ratio | 1.52% | 0.00% |
| Non-Performing Loan Ratio | 0.36% | 0.00% |
| Non-Performing Asset Ratio | 0.26% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.44% | 0.86% |
Balance sheet
| Metric | Miami Savings Bank | Fidelity Federal Savings and Loan Association of Delaware |
|---|---|---|
| Total Assets | $131,984K | $131,433K |
| Total Deposits | $101,281K | $98,859K |
| Total Loans | $94,248K | $77,572K |
| Total Equity | $29,195K | $18,795K |
| Net Income (quarter) | $308 | $30 |
Liquidity & funding
| Metric | Miami Savings Bank | Fidelity Federal Savings and Loan Association of Delaware |
|---|---|---|
| Loan-to-Deposit Ratio | 93.06% | 78.47% |
| Core Deposit Ratio | 83.38% | 95.47% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Miami Savings Bank | Fidelity Federal Savings and Loan Association of Delaware |
|---|---|---|
| Headquarters City | MIAMITOWN | DELAWARE |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 703587 |
| Regulator | FDIC | OCC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 21 | 18 |
| Established | Dec. 27, 1909, midnight | Jan. 1, 1887, 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 Miami Savings Bank profile | View full Fidelity Federal Savings and Loan Association of Delaware profile | Browse all bank comparisons