Fidelity Personal Trust Company, F.S.B.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Fidelity Personal Trust Company, F.S.B. is one of the more profitable banks of its size. Its balance sheet stood at $75 million at June 30, 2026, up 2.8% from a year earlier; it is based in Boston, Massachusetts. It returns 35.3% a year on shareholders' equity, 4.1 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also spends about 34 cents to bring in each dollar of revenue, about half the median of 69 cents for banks its size.
Net income for the quarter rose 24% from a year earlier, to $6.1 million. Funding is the softer spot: it pays an average of 4.80% on its deposits and borrowings, about triple the median of 1.54% for banks its size.
As of June 30, 2026, Fidelity Personal Trust Company, F.S.B. reported a return on assets of 34.34% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2 Contra Way, Boston, MA 03054
- County
- Hillsborough
- Metro Area
- Manchester-Nashua, NH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 15, 2000
- Offices
- 2 domestic
- Employees (FTE)
- 54
- Domestic deposits
- $500K
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $71.2M
- Average total loans
- $0
- Average interest-bearing deposits
- $500K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 15, 2000
- FDIC Cert
- 35206
- Fed RSSD
- 2914268
- Website
- www.fidelity.com →
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 101.53% | 34.34% | — | 0.00% | 3.88% |
| Q1 2026 | 100.30% | 32.58% | — | 0.00% | 3.89% |
| Q4 2025 | 79.86% | 22.21% | — | 0.00% | 5.06% |
| Q3 2025 | 100.66% | 29.10% | — | 0.00% | 4.14% |
| Q2 2025 | 100.76% | 28.38% | — | 0.00% | 4.16% |
| Q1 2025 | 100.34% | 28.97% | — | 0.00% | 4.27% |
| Q4 2024 | 71.82% | 12.55% | — | 0.00% | 5.13% |
| Q3 2024 | 100.58% | 26.69% | — | 0.00% | 4.83% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fidelity Personal Trust Company, Fsb | Merrimack , NH | 03054 | $500K |
| Fptc Delaware Office Branch | Greenville , DE | 19807 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2001 | Structure Change | Acquired Fidelity Management Trust Company of California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Fidelity Personal Trust Company, F.S.B., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- Not on file: no SoD deposits in its home state
- Period: not on file. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Fidelity Personal Trust Company, F.S.B.
What are Fidelity Personal Trust Company, F.S.B.'s total assets?
As of the Q2 2026 filing, Fidelity Personal Trust Company, F.S.B. reported total assets of $74.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fidelity Personal Trust Company, F.S.B. headquartered?
Fidelity Personal Trust Company, F.S.B. is headquartered in Boston, MA, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Fidelity Personal Trust Company, F.S.B. founded?
Fidelity Personal Trust Company, F.S.B. was established in 2000, per the FDIC institution directory.
Is Fidelity Personal Trust Company, F.S.B. FDIC-insured?
Yes. Fidelity Personal Trust Company, F.S.B. is an FDIC-insured savings institution (FDIC Certificate #35206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fidelity Personal Trust Company, F.S.B.?
Fidelity Personal Trust Company, F.S.B.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Fidelity Personal Trust Company, F.S.B. operate?
Fidelity Personal Trust Company, F.S.B. operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fidelity Personal Trust Company, F.S.B.'s Texas Ratio?
Fidelity Personal Trust Company, F.S.B.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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