Fidelity Bank
Total assets
$546.8M
▼ -0.9% YoY
Deposits
$496.3M
▼ -3.6% YoY
Loans
$253.5M
▼ -2.9% YoY
Offices
6
CARLSON BANCSHARES INC
ROA (annualized)
1.28%
peers 1.28%
ROE (annualized)
15.57%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Fidelity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.9% | -5.8 pts |
| Deposit growth (YoY) | -3.5% | +4.3% | -7.9 pts |
| Loan growth (YoY) | -2.9% | +5.3% | -8.3 pts |
| ROA | 1.28% | 1.28% | +0.0 pts |
| ROE | 15.6% | 12.4% | +3.1 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
Profile
- Established
- 1966
- Charter
- State
- Primary regulator
- FED
- Holding company
- CARLSON BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 330 W Broadway St, West Memphis, AR, 72301
- County
- Crittenden
- Metro area
- Memphis, TN-MS-AR
- Offices
- 6
- FDIC cert #
- 19644
- RSSD ID
- 848248
- 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 | $546.8M | $496.3M | $253.5M | $47.5M | $3.5M | 1.28% | 2.96% | 0.35% |
| Q1 2026 | $558.2M | $511.9M | $260.7M | $43.9M | $1.7M | 1.25% | 2.90% | 0.34% |
| Q4 2025 | $553.1M | $495.5M | $264.2M | $45.1M | $6.0M | 1.10% | 2.80% | 0.34% |
| Q3 2025 | $546.8M | $487.2M | $259.6M | $41.6M | $4.4M | 1.08% | 2.79% | 0.00% |
| Q2 2025 | $551.7M | $514.5M | $261.2M | $34.7M | $2.9M | 1.05% | 2.76% | 0.00% |
| Q1 2025 | $546.5M | $510.0M | $262.1M | $32.6M | $1.4M | 1.02% | 2.67% | 0.01% |
| Q4 2024 | $543.0M | $510.7M | $246.2M | $29.8M | $4.3M | 0.80% | 2.67% | 0.01% |
| Q3 2024 | $543.8M | $503.3M | $263.7M | $37.6M | $3.6M | 0.89% | 2.64% | 0.09% |
Loan mix (Q2 2026): real estate $210.5M · commercial $22.5M · consumer $3.2M · securities $267.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Fidelity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.28% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 12.4% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.89% | 9th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 61.2% | 44th | |
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 | 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 | 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 | 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 | 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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