| Metric | Fidelity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +4.4% | -4.1 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +13.1% | +5.6% | +7.5 pts |
| ROA | 0.31% | 1.24% | -0.9 pts |
| ROE | 4.3% | 11.9% | -7.6 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $198.6M | $165.5M | $146.4M | $14.5M | $303K | 0.31% | 3.83% | 0.58% |
| Q1 2026 | $198.4M | $167.3M | $143.9M | $13.7M | $-19K | -0.04% | 3.66% | 0.53% |
| Q4 2025 | $198.6M | $165.1M | $143.1M | $14.3M | $236K | 0.12% | 3.85% | 0.57% |
| Q3 2025 | $196.2M | $170.0M | $133.4M | $13.4M | $-43K | -0.03% | 3.77% | 0.62% |
| Q2 2025 | $198.1M | $161.0M | $129.4M | $12.6M | $65K | 0.07% | 3.80% | 0.31% |
| Q1 2025 | $182.7M | $154.6M | $117.2M | $12.1M | $-85K | -0.19% | 3.85% | 0.37% |
| Q4 2024 | $174.0M | $149.2M | $109.8M | $11.9M | $-96K | -0.05% | 3.49% | 0.57% |
| Q3 2024 | $179.9M | $148.3M | $105.2M | $13.3M | $-136K | -0.10% | 3.41% | 0.73% |
Loan mix (Q2 2026): real estate $128.5M · commercial $7.2M · consumer $412K · securities $35.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Fidelity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 1.24% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.0% | 62.9% | 95th |
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% |
The full ratio pack is part of CharterBench Pro.