Fidelity Bank & Trust
Total assets
$2.60B
▲ +28.6% YoY
Deposits
$2.13B
▲ +23.4% YoY
Loans
$1.89B
▲ +38.7% YoY
Offices
36
FIDELITY CO
ROA (annualized)
1.30%
peers 1.26%
ROE (annualized)
12.72%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Fidelity Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.6% | +5.5% | +23.2 pts |
| Deposit growth (YoY) | +23.4% | +5.1% | +18.3 pts |
| Loan growth (YoY) | +38.7% | +5.9% | +32.8 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 12.7% | 12.2% | +0.6 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
Profile
- Established
- 1910
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIDELITY CO
- Specialization
- Agricultural Specialization
- Address
- 4250 Asbury Rd, Dubuque, IA, 52002
- County
- Dubuque
- Metro area
- Dubuque, IA
- Offices
- 36
- FDIC cert #
- 14382
- RSSD ID
- 939249
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.60B | $2.13B | $1.89B | $268.4M | $16.7M | 1.30% | 3.64% | 1.24% |
| Q1 2026 | $2.58B | $2.15B | $1.87B | $261.0M | $8.4M | 1.31% | 3.73% | 0.98% |
| Q4 2025 | $2.52B | $2.13B | $1.79B | $257.8M | $22.3M | 1.06% | 3.17% | 0.59% |
| Q3 2025 | $2.06B | $1.74B | $1.38B | $213.4M | $14.7M | 0.98% | 3.09% | 0.49% |
| Q2 2025 | $2.02B | $1.73B | $1.36B | $207.0M | $9.6M | 0.97% | 3.03% | 0.78% |
| Q1 2025 | $1.98B | $1.71B | $1.34B | $201.6M | $4.4M | 0.89% | 2.97% | 0.67% |
| Q4 2024 | $1.96B | $1.70B | $1.31B | $193.1M | $12.7M | 0.67% | 2.80% | 0.51% |
| Q3 2024 | $1.92B | $1.65B | $1.26B | $197.8M | $8.3M | 0.58% | 2.77% | 0.50% |
Loan mix (Q2 2026): real estate $1.14B · commercial $274.5M · consumer $28.5M · securities $474.4M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Fidelity Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 12.2% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.70% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.7% | 59.0% | 23th | |
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% |
Balance sheet
| Ratio | Fidelity Bank & Trust | 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% |
Capital
| Ratio | Fidelity Bank & Trust | 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% |
Credit quality
| Ratio | Fidelity Bank & Trust | 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% |
Franchise
| Ratio | Fidelity Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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