Fidelity Personal Tr Co FSB vs Woodsville Guaranty Sb
Side-by-side bank health comparison using FDIC financial data
Fidelity Personal Tr Co FSB (A) and Woodsville Guaranty Sb (A) are close on the BankHealth rubric. Asset bases: $84M versus $670M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Fidelity Personal Tr Co FSB has a stronger Bank Health Score of 100/100 (A) compared to Woodsville Guaranty Sb at 87/100 (A), a difference of 13 points. Fidelity Personal Tr Co FSB holds a Tier 1 capital ratio of 100.5% and an NPL ratio of 0.00%.
| Metric | Fidelity Personal Tr Co FSB | Woodsville Guaranty Sb |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 87/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 100.5%* | 15.5% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.2% |
| Liquidity Ratio Cash and liquid assets vs obligations | 90.8%* | 24.3% |
| Return on Assets Profitability metric (above 1% is strong) | 25.0%* | 0.5% |
| Total Assets | $84M | $670M |
| Total Deposits | $500K | $521M |
| Location | Merrimack, New Hampshire | Woodsville, New Hampshire |
Fidelity Personal Tr Co FSB has a stronger Bank Health Score of 100/100 (A) compared to Woodsville Guaranty Sb at 87/100 (A), a difference of 13 points. Fidelity Personal Tr Co FSB holds a Tier 1 capital ratio of 100.5% and an NPL ratio of 0.00%.