| Metric | FIDELITY BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +5.5% | -7.1 pts |
| Deposit growth (YoY) | -6.7% | +5.1% | -11.8 pts |
| Loan growth (YoY) | -7.1% | +5.9% | -13.0 pts |
| ROA | 0.13% | 1.26% | -1.1 pts |
| ROE | 0.7% | 12.2% | -11.5 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.23B | $857.6M | $739.2M | $243.7M | $794K | 0.13% | 4.40% | 1.37% |
| Q1 2026 | $1.27B | $911.4M | $770.1M | $244.7M | $344K | 0.11% | 4.48% | 1.30% |
| Q4 2025 | $1.26B | $915.5M | $766.8M | $247.4M | $1.1M | 0.09% | 4.62% | 1.45% |
| Q3 2025 | $1.26B | $936.5M | $795.7M | $249.2M | $2.5M | 0.27% | 4.70% | 1.33% |
| Q2 2025 | $1.25B | $919.2M | $795.8M | $243.3M | $1.4M | 0.23% | 4.50% | 1.18% |
| Q1 2025 | $1.24B | $917.6M | $786.0M | $242.8M | $616K | 0.20% | 4.63% | 1.30% |
| Q4 2024 | $1.23B | $901.3M | $777.5M | $238.0M | $-6.3M | -0.52% | 4.28% | 1.11% |
| Q3 2024 | $1.41B | $1.01B | $761.6M | $161.5M | $-852K | -0.09% | 4.10% | 0.96% |
Loan mix (Q2 2026): real estate $644.2M · commercial $86.8M · consumer $14.8M · securities $338.0M
| Ratio | FIDELITY BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.13% | 1.26% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 12.2% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.8% | 59.0% | 99th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | FIDELITY BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | FIDELITY BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | FIDELITY BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | FIDELITY BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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