FIDELITY BANK OF TEXAS

WACO, TX | Small | Est. March 1, 1974, midnight | FDIC #21455 | RSSD #741068 | FDIC
Latest Report: 2025-12-31

FIDELITY BANK OF TEXAS is asn small FDIC-insured commercial bank headquartered in WACO, TX, established in March 1, 1974, midnight. As of 2025-12-31, the bank reported total assets of $157M and total deposits of $126M. Profitability stands at 1.78% ROA and 11.16% ROE, with a net interest margin of 5.39%. The bank's CET1 capital ratio is 7.89%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #21455.

Assets

$157M

Deposits

$126M

Loans

$105M

Equity

$25M

Profitability

Return on Assets (ROA) 1.78%
Return on Equity (ROE) 11.16%
Net Interest Margin (NIM) 5.39%
Yield on Assets 7.18%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.63%

Capital & Liquidity

CET1 Ratio 7.89%
Tier 1 Capital 7.89%
Total Capital Ratio 8.28%
Leverage Ratio 11.58%
Loan-to-Deposit 83.54%

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