| Metric | The Fidelity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | — | +5.5% | — |
| Deposit growth (YoY) | — | +5.1% | — |
| Loan growth (YoY) | — | +5.9% | — |
| ROA | 1.73% | 1.26% | +0.5 pts |
| ROE | 17.4% | 12.2% | +5.2 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.66B | $4.17B | $2.89B | $467.7M | $39.1M | 1.73% | 4.06% | 0.30% |
| Q1 2026 | $4.50B | $4.03B | $2.84B | $448.9M | $19.1M | 1.72% | 4.04% | 0.28% |
| Q4 2025 | $4.39B | $3.94B | $2.81B | $433.0M | $74.0M | 1.74% | 3.99% | 0.17% |
| Q3 2025 | $4.48B | $4.06B | $2.77B | $403.4M | $53.7M | 1.69% | 3.94% | 0.41% |
| Q2 2025 | $4.26B | $3.87B | $2.73B | $374.1M | $33.7M | 1.63% | 3.92% | 0.38% |
| Q1 2025 | $4.15B | $3.79B | $2.65B | $348.6M | $16.2M | 1.59% | 3.88% | 0.29% |
| Q4 2024 | $3.99B | $3.65B | $2.61B | $315.7M | $62.3M | 1.60% | 3.82% | 0.39% |
| Q3 2024 | $4.01B | $3.67B | $2.55B | $326.6M | $45.8M | 1.58% | 3.78% | 0.42% |
Loan mix (Q2 2026): real estate $2.64B · commercial $243.8M · consumer $25.3M · securities $1.05B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Fidelity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.26% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.2% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 59.0% | 27th |
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 | The 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 | The 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 | The 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 | The 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.