You are absolutely incorrect. Being armed has nothing to do with firearms.

Definitions: Armed - Bearing arms; furnished with means of offense and defense: as, an armed force or ship; “the armed rhinoceros,”

Arms - Instruments or weapons of offense or defense.

You absolutely can be charged with "armed robbery" without having a firearm. Using your bank example, here is a "armed bank robbery" where the suspect used a knife. https://mpdc.dc.gov/release/arrest-made-armed-bank-robbery-k...

Educate yourself if you are going to argue.