Fifth District Bancorp, Inc. FDSB

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
29/100
Developing

Ranked against 399 peers in Banks - Regional

About Fifth District Bancorp, Inc.

Fifth District Bancorp, Inc. operates as the bank holding company for Fifth District Savings Bank that provides various banking products and services primarily in New Orleans-Metairie Metropolitan Statistical Area. The company offers a range of deposit accounts, including checking accounts, money market accounts, and certificates of deposit. It also provides fixed-rate one- to four-family residential mortgage loans, as well as … Full FDSB analysis →

Key strengths

  • Strong Capital Position Capital position is strong (score 1.00), exceeding regulatory minimums.

Key risks

  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.05).
  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.08).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
29
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where FDSB ranks in Banks - Regional

Fifth District Bancorp, Inc. ranks #323 of 393 scored companies in Banks - Regional by moat score — the top 82%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
319 First Western Financial, Inc. MYFW 30/100 Developing
320 MainStreet Bancshares, Inc. - D MNSBP 30/100 Developing
321 MainStreet Bancshares, Inc. MNSB 30/100 Developing
322 FinWise Bancorp FINW 30/100 Developing
323 Fifth District Bancorp, Inc. FDSB 29/100 Developing
324 Grupo Financiero Galicia S.A. GGAL 28/100 Developing
325 Glen Burnie Bancorp GLBZ 28/100 Developing
326 CB Financial Services, Inc. CBFV 28/100 Developing
327 PB Bankshares, Inc. PBBK 27/100 Developing

See every Banks & Lenders company ranked by moat score →

How FDSB scores on the Bank Specialized defenses

Deposit Franchise

Score 29 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 5 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 64 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 4 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 54 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 7 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding FDSB's moat

What is Fifth District Bancorp, Inc.'s moat score?

Fifth District Bancorp, Inc. (FDSB) scores 29 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #323 of 393 scored companies in Banks - Regional, the top 82%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Capital Strength (64/100) and its weakest is Cost Discipline (4/100).

How does Fifth District Bancorp, Inc. compare with other Banks - Regional companies?

Fifth District Bancorp, Inc. ranks #323 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are FinWise Bancorp (FINW) at 30 just above it and Grupo Financiero Galicia S.A. (GGAL) at 28 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Fifth District Bancorp, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Fifth District Bancorp, Inc.?

The Bank Specialized template measures 6 defenses, and FDSB scores: Deposit Franchise (29), Lending Advantage (5), Capital Strength (64), Cost Discipline (4), Revenue Diversification (54), Risk Management (7). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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