| Metric | Fidelity Bank of Texas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.4% | +4.4% | +14.1 pts |
| Deposit growth (YoY) | +23.5% | +4.0% | +19.5 pts |
| Loan growth (YoY) | +17.3% | +5.6% | +11.7 pts |
| ROA | -0.55% | 1.24% | -1.8 pts |
| ROE | -3.6% | 11.9% | -15.5 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.8M | $132.5M | $109.1M | $24.2M | $-446K | -0.55% | 4.32% | 0.03% |
| Q1 2026 | $165.4M | $134.9M | $102.8M | $24.5M | $-153K | -0.38% | 4.32% | 0.43% |
| Q4 2025 | $157.0M | $126.2M | $104.8M | $24.6M | $910K | 0.65% | 5.62% | 3.21% |
| Q3 2025 | $147.8M | $117.4M | $102.0M | $24.0M | $232K | 0.23% | 5.62% | 3.41% |
| Q2 2025 | $137.5M | $107.3M | $93.0M | $24.0M | $300K | 0.46% | 5.86% | 0.00% |
| Q1 2025 | $127.0M | $97.3M | $81.7M | $23.8M | $113K | 0.36% | 5.14% | 0.00% |
| Q4 2024 | $126.8M | $97.1M | $73.5M | $23.7M | $-80K | -0.07% | 4.64% | 0.00% |
| Q3 2024 | $126.9M | $96.4M | $66.2M | $24.6M | $196K | 0.21% | 4.48% | 0.00% |
Loan mix (Q2 2026): real estate $98.1M · commercial $9.8M · consumer $1.7M · securities $2.0M
| Ratio | Fidelity Bank of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.55% | 1.24% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -3.6% | 11.9% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.3% | 62.9% | 98th |
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 of Texas | 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 of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Fidelity Bank of Texas | 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 of Texas | 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 of Texas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2024) · $107.3M branch deposits. Biggest market: McLennan, TX, ranked 17th with 1.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McLennan, TX | 2 | $107.3M | 1.25% | 17th |
Texas: 500th with 0.01% · Waco metro: 19th, 1.17% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2