Fidelity Bank & Trust: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Fidelity Bank & Trust operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $2.6 billion at June 30, 2026, up 28.6% from a year earlier; it is based in Dubuque, Iowa. It holds common equity equal to 10.67% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also carries problem assets equal to 14.2% of the capital and reserves that would absorb them, 4.0 times the median of 3.6% for banks its size. It has also been growing, with assets up 28.6% in a year.
Earnings jumped: net income for the quarter was $8.3 million, 60% above the same quarter a year earlier. Over the same year, loans grew 38.4% and deposits grew 23.4%. Funding is the softer spot: it holds about two-fifths of its deposits (41%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Fidelity Bank & Trust reported a CET1 capital ratio of 10.67%, a return on assets of 1.28%, a nonperforming-loan ratio of 1.14% and a Texas ratio of 14.24%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 4250 Asbury Rd, Dubuque, IA 52002
- County
- Dubuque
- Metro Area
- Dubuque, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- April 20, 1910
- Offices
- 36 domestic
- Employees (FTE)
- 291
- Domestic deposits
- $2.13B
- Allowance for credit losses
- $20.6M
- Net charge-offs (YTD)
- $79K
- Average total assets
- $2.61B
- Average total loans
- $1.89B
- Average interest-bearing deposits
- $1.80B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 19, 1934
- FDIC Cert
- 14382
- Fed RSSD
- 939249
- SEC CIK
- 1905320 → filed by FIDELITY COMPANY
- Website
- http://www.bankfidelity.com →
- Parent Holding Company
- FIDELITY COMPANY (RSSD 1203778)
Profitability
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.
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.
What the bank charged to earnings that quarter to build its allowance for expected losses.
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.
Inside the full Fidelity Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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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.
Banks merged into Fidelity Bank & Trust
- State Savings Bank, effective December 6, 2025
- Frost State Bank, effective December 6, 2025
- County Bank, effective October 18, 2025
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.67% | 1.28% | 1.14% | 14.24% | 3.52% |
| Q1 2026 | 10.53% | 1.31% | 0.09% | 11.56% | 3.72% |
| Q4 2025 | 10.56% | 1.30% | 0.11% | 6.94% | 3.47% |
| Q3 2025 | 11.64% | 0.99% | 0.10% | 5.48% | 3.17% |
| Q2 2025 | 11.58% | 1.02% | 0.93% | 8.88% | 3.05% |
| Q1 2025 | 11.54% | 0.88% | 0.95% | 7.63% | 2.93% |
| Q4 2024 | 11.46% | 0.90% | 0.72% | 6.15% | 2.87% |
| Q3 2024 | 11.53% | 0.75% | 0.74% | 5.71% | 2.80% |
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 36 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dyersville Branch | Dyersville , IA | 52040 | $198.7M |
| Fidelity Bank & Trust (main office) | Dubuque , IA | 52002 | $161.2M |
| New Hampton Branch | New Hampton , IA | 50659 | $101.3M |
| Cascade Branch | Cascade , IA | 52033 | $100.6M |
| Sigourney Branch | Sigourney , IA | 52591 | $99.4M |
| Waverly Branch | Waverly , IA | 50677 | $97.5M |
| Guttenberg Branch | Guttenberg , IA | 52052 | $95.0M |
| Oelwein Branch | Oelwein , IA | 50662 | $93.5M |
| Tipton Branch | Tipton , IA | 52772 | $90.8M |
| East Dubuque Branch | East Dubuque , IL | 61025 | $73.4M |
| Anamosa Branch | Anamosa , IA | 52205 | $70.6M |
| Bancroft Branch | Bancroft , IA | 50517 | $69.4M |
| Rake Branch | Rake , IA | 50465 | $62.3M |
| Cedar Cross Road Branch | Dubuque , IA | 52003 | $54.8M |
| Epworth Branch | Epworth , IA | 52045 | $54.0M |
| West Branch Branch | West Branch , IA | 52358 | $52.3M |
| Postville Branch | Postville , IA | 52162 | $49.7M |
| Calmar Branch | Calmar , IA | 52132 | $48.6M |
| Bellevue Branch | Bellevue , IA | 52031 | $47.3M |
| Clarence Branch | Clarence , IA | 52216 | $45.8M |
| Peosta Branch | Peosta , IA | 52068 | $44.2M |
| Maquoketa Branch | Maquoketa , IA | 52060 | $44.2M |
| Ossian Branch | Ossian , IA | 52161 | $38.4M |
| Deep River Branch | Deep River , IA | 52222 | $36.4M |
| Monticello Branch | Monticello , IA | 52310 | $34.6M |
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 |
|---|---|---|---|
| December 6, 2025 | Structure Change | Acquired State Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2025 | Structure Change | Acquired County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 17, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired Farmers & Traders Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2019 | Structure Change | Acquired Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 11, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 2019 | Structure Change | Acquired State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2015 | Structure Change | Acquired East Dubuque Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 2011 | Structure Change | Acquired Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 17, 2010 | Structure Change | Acquired Iowa Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2009 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 2008 | Structure Change | Acquired State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2007 | Structure Change | Acquired The First National Bank, Oelwein Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 12, 2007 | Structure Change | Acquired Valley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Fidelity Bank & Trust, 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
- 1.5% of deposits in IA, rank 12 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 828 applications, 758 loans originated, $157.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). 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 Bank & Trust
What are Fidelity Bank & Trust's total assets?
As of the Q2 2026 filing, Fidelity Bank & Trust reported total assets of $2.60 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fidelity Bank & Trust headquartered?
Fidelity Bank & Trust is headquartered in Dubuque, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Fidelity Bank & Trust founded?
Fidelity Bank & Trust was established in 1910, per the FDIC institution directory.
Is Fidelity Bank & Trust FDIC-insured?
Yes. Fidelity Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #14382). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fidelity Bank & Trust?
Fidelity Bank & Trust's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Fidelity Bank & Trust's CET1 capital ratio?
Fidelity Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 10.67% in its Q2 2026 call report, above regulatory requirements.
How many branches does Fidelity Bank & Trust operate?
Fidelity Bank & Trust operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fidelity Bank & Trust's Texas Ratio?
Fidelity Bank & Trust's Texas Ratio is 14.24% 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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