Fidelity Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 13.5% lower than in Q1 2026, at -$12.4M. Within Louisiana, Fidelity Bank is 10th of 46 on CET1 ratio, 29.16% as of Q2 2026, above the middle of the field. Against a median of 13.48% for banks in the $1B-10B asset tier, Fidelity Bank reported 29.16% on CET1 ratio in Q2 2026, 15.68 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 29.16% |
| Tier 1 risk-based capital ratio | 29.16% |
| Total risk-based capital ratio | 29.96% |
| Tier 1 leverage ratio | 20.32% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $256.1M |
| Tier 1 capital | $256.1M |
| Total risk-based capital | $263.1M |
| Total equity capital | $243.7M |
| Risk-weighted assets | $878.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 19.87% |
| Tangible equity to tangible assets | 19.87% |
| Equity capital to average assets | 19.33% |
| Internal capital growth rate | 0.74% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $88.4M |
| Retained earnings | $167.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 22.79% | 22.79% | 23.61% | 15.23% | $735.2M |
| Q4 2023 | 22.23% | 22.23% | 23.06% | 14.80% | $748.4M |
| Q1 2024 | 20.60% | 20.60% | 21.35% | 14.69% | $803.4M |
| Q2 2024 | 20.05% | 20.05% | 20.75% | 14.52% | $829.7M |
| Q3 2024 | 20.03% | 20.03% | 20.73% | 13.77% | $826.4M |
| Q4 2024 | 29.60% | 29.60% | 30.33% | 19.55% | $858.6M |
| Q1 2025 | 29.56% | 29.56% | 30.29% | 20.32% | $862.1M |
| Q2 2025 | 29.40% | 29.40% | 30.12% | 20.26% | $869.4M |
| Q3 2025 | 28.52% | 28.52% | 29.23% | 20.05% | $900.0M |
| Q4 2025 | 29.38% | 29.38% | 30.12% | 20.02% | $869.0M |
| Q1 2026 | 28.70% | 28.70% | 29.43% | 20.23% | $890.8M |
| Q2 2026 | 29.16% | 29.16% | 29.96% | 20.32% | $878.1M |
Fidelity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28316) · FFIEC NIC profile (RSSD 255574)