Fidelity Bank (New Orleans, LA)
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Data as of · sourced from FFIEC call reports. How we update
Fidelity Bank is an FDIC-insured savings bank headquartered in New Orleans, LA, established in 1908 (FDIC certificate 28316), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.23B, down 1.6% from Q2 2025, the 15th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 29.16% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28316
- Headquarters
- New Orleans, LA
- Established
- 1908
- Total assets, Q2 2026
- $1.23B
- Assets vs Q2 2025
- -1.6%
- CET1 ratio, Q2 2026
- 29.16%
- Domestic offices
- 28 FDIC institution directory, current count
- Routing number
- 265070532
- Holding company
- FB BANCORP, INC.
- Asset rank in state
- 15th of 102 in Louisiana
Fidelity Bank spends more to run itself than most banks of its size. The New Orleans, Louisiana bank had $1.2 billion in assets at June 30, 2026, down 1.6% from a year earlier. It earns about $0.14 a year on every $100 of assets, a small fraction of the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 91 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Earnings fell sharply: quarterly net income of $450,000 was 45% below a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.63% of loans from 1.36% a year earlier.
As of June 30, 2026, Fidelity Bank reported a CET1 capital ratio of 29.16%, a return on assets of 0.14%, a nonperforming-loan ratio of 1.85% and a Texas ratio of 6.08%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Fidelity Bank is the 15th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.2% to $1.23B, loans fell 3.9% and deposits fell 5.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 49.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.2%. The FDIC Summary of Deposits lists 20 offices for it, in 11 cities in LA; its New Orleans 7 offices book 33% of its branch deposits. Judged on its Q2 2026 call report, Fidelity Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 353 Carondelet St, New Orleans, LA 70130
- County
- Orleans
- Metro Area
- New Orleans-Metairie, LA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Former names
- Fidelity Homestead Savings Bank (2007-2014)
- Domestic offices
- 28 FDIC institution directory, current count
- Employees (FTE)
- 210
- Domestic deposits
- $857.6M
- Allowance for credit losses
- $6.8M
- Net charge-offs (YTD)
- $928K
- Average total assets
- $1.26B
- Average total loans
- $747.9M
- Average interest-bearing deposits
- $688.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28316
- Fed RSSD
- 255574
- SEC CIK
- 2013639 → filed by FB BANCORP, INC.
- Website
- www.bankwithfidelity.com →
- Parent Holding Company
- FB BANCORP, INC. (RSSD 5926413) · FBLA
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Christopher S Ferris | CEO | President and CEO |
| Katherine A Crosby | CHR | Chairman of the Board |
| Todd M Wanner | CFO | Chief Financial Officer |
| Randall L Baker | COO | Chief Operating Officer |
| Patrick L Griggs | CRO | Chief Risk/Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Fidelity Bank's total assets moved between a low of $1.10B (Q3 2023) and a high of $1.41B (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.23B total assets against $1.25B; $982.7M total liabilities against $1.00B.
$739.2M net loans and leases against $795.8M; $857.6M total deposits against $919.2M.
$338.0M securities against $260.2M; $45.2M cash and balances due against $86.1M.
$16.9M total interest income against $16.7M; $4.8M total interest expense against $4.3M.
$12.1M net interest income against $12.3M.
$3.0M total noninterest income against $5.3M; $13.7M total noninterest expense against $16.3M.
$475K provision for credit losses against $453K.
$450K net income against $825K.
0.14% return on assets against 0.26%; 4.17% net interest margin against 4.26%.
29.16% CET1 capital ratio against 29.40%; 20.32% tier 1 leverage ratio against 20.26%.
Inside the full Fidelity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFidelity Bank rankings
Its closest position to the top of a national ranking is 92 of 2,134, for CET1 ratio; its furthest is 3,482 of 3,606, for efficiency ratio.
Metric pages for Fidelity Bank: CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.69% (Q4 2024) to 0.33% (Q3 2025) and its net interest margin ran from 4.17% (Q2 2026) to 4.96% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.16% | 0.14% | 1.85% | 6.08% | 4.17% |
| Q1 2026 | 28.70% | 0.11% | 1.94% | 5.88% | 4.43% |
| Q4 2025 | 29.38% | -0.43% | 2.18% | 6.44% | 4.27% |
| Q3 2025 | 28.52% | 0.33% | 1.82% | 5.83% | 4.96% |
| Q2 2025 | 29.40% | 0.26% | 1.63% | 5.03% | 4.26% |
| Q1 2025 | 29.56% | 0.20% | 1.95% | 5.42% | 4.50% |
| Q4 2024 | 29.60% | -1.69% | 1.66% | 4.67% | 4.50% |
| Q3 2024 | 20.03% | -0.30% | 1.46% | 7.25% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 20 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Veterans Blvd. Branch | Metairie , LA | 70002 | $167.0M |
| Fidelity Bank (main office) | New Orleans , LA | 70130 | $161.8M |
| River Ridge Branch | River Ridge , LA | 70123 | $66.0M |
| Mandeville Branch | Mandeville , LA | 70448 | $50.1M |
| Metairie Road Branch | Metairie , LA | 70005 | $49.2M |
| Williams Blvd Branch | Kenner , LA | 70065 | $41.6M |
| Slidell Branch | Slidell , LA | 70461 | $40.6M |
| Allen Toussaint Boulevard Branch | New Orleans , LA | 70124 | $40.5M |
| Hammond Branch | Hammond , LA | 70403 | $39.1M |
| Carrollton Avenue Branch | New Orleans , LA | 70118 | $33.7M |
| Lafayette - Camellia Branch | Lafayette , LA | 70508 | $33.3M |
| Covington Branch | Covington , LA | 70433 | $32.9M |
| Gretna Branch | Gretna , LA | 70056 | $28.3M |
| New Orleans East Branch | New Orleans , LA | 70127 | $24.5M |
| Baton Rouge Branch | Baton Rouge , LA | 70808 | $16.7M |
| Algiers Branch | New Orleans , LA | 70114 | $16.3M |
| The Rink Branch | New Orleans , LA | 70130 | $8.4M |
| Baton Rouge - Bluebonnet Branch | Baton Rouge , LA | 70810 | $7.4M |
| South Market Limited-Service Branch | New Orleans , LA | 70113 | $0 |
| Veterans Drive Up Branch | Metairie , LA | 70005 | $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 |
|---|---|---|---|
| November 16, 2007 | Structure Change | Acquired Your Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action March 25, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in LA, rank 25 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 10 loans, $7.4M approved, $742K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fidelity Bank
What are Fidelity Bank's total assets?
As of the Q2 2026 filing, Fidelity Bank reported total assets of $1.23 billion in its FFIEC call report.
Where is Fidelity Bank headquartered?
It is headquartered in New Orleans, LA, United States.
When was Fidelity Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Fidelity Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28316). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fidelity Bank?
Fidelity Bank's primary federal regulator is the FDIC.
What is Fidelity Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.16% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Fidelity Bank operate?
It operates 28 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's Texas Ratio?
Its Texas Ratio is 6.08% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Fidelity Bank previously called?
The charter now named Fidelity Bank has also operated as Fidelity Homestead Savings Bank (2007-2014), per FDIC structure-change records.
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