New data released by Defense World show Fifth District Bancorp lagging its peer group on every major profitability measure. The community bank’s net margin, return on equity, and return on assets all fall well short of competitor averages, raising questions about how it can close the gap.
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Contrasting Fifth District Bancorp (FDSB) and Its Competitors
Key Takeaways:
- Fifth District Bancorp’s net margin is 10.10%, versus 16.81% for its competitors
- Return on equity stands at 2.01%, compared with 10.25% among peers
- Return on assets is 0.49%, roughly half the competitor average of 1.06%
- Defense World also compared valuation and earnings, signaling broader scrutiny of the bank
- The figures were published on August 18, 2025, by Defenseworld Net
Profitability Snapshot
Defense World’s latest comparison offers a stark look at how Fifth District Bancorp measures up against a field of unnamed competitors. As the outlet notes, “This table compares Fifth District Bancorp and its competitors’ net margins, return on equity and return on assets.”
A Tale of Three Ratios
Net Margins 10.10% (FDSB) | 16.81% (Competitors)
Return on Equity 2.01% (FDSB) | 10.25% (Competitors)
Return on Assets 0.49% (FDSB) | 1.06% (Competitors)
What the Numbers Say
Each percentage point tells the same story: Fifth District Bancorp is squeezing less profit from its revenue, equity, and assets than its peers. A net margin gap of more than six percentage points suggests thinner breathing room. Meanwhile, a 2.01% return on equity—one-fifth of the peer average—implies that shareholder capital is earning far less inside FDSB’s balance sheet. The return on assets picture is similar, with the bank generating less than half the profit per dollar of assets that competitors achieve.
Beyond Profit
Defense World indicates that it also examined “Valuation and Earnings,” though specific figures were not publicly released. The reference signals that profitability is only part of the evaluation investors will weigh when sizing up the community bank.
The Bottom Line
For Fifth District Bancorp, the comparison is unflattering but instructive. The data spotlight areas where management may need to move fastest—boosting operating efficiency, rethinking capital allocation, or both—if the bank hopes to narrow the gap that the latest numbers have laid bare.
