Fidelity Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 6.72 percentage points in Q2 2026, from 40.06% to 46.79%. It was the largest change from Q1 2026 among the key lines here. Fidelity Bank has the 7th lowest return on assets of the 103 banks headquartered in Louisiana, at 0.14% as of Q2 2026. Fidelity Bank's return on assets of 0.14% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.13 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.16% |
| Tier 1 risk-based capital ratio | 29.16% |
| Total risk-based capital ratio | 29.96% |
| Tier 1 leverage ratio | 20.32% |
| Equity capital to assets | 19.87% |
| Tangible equity to tangible assets | 19.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.95% |
| Non-performing assets ratio | 1.44% |
| Net charge-off ratio | 0.28% |
| Texas ratio | 7.06% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 46.79% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.14% |
| Return on equity | 0.74% |
| Net interest margin | 4.17% |
| Efficiency ratio | 90.59% |
| Yield on earning assets | 5.83% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.99% |
| Core deposits to total deposits | 86.89% |
| Brokered deposits to total deposits | 5.42% |
| Deposits to assets | 69.93% |
| Securities to assets | 27.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 22.79% | 22.79% | 23.61% | 15.23% | 0.87% |
| Q4 2023 | 22.23% | 22.23% | 23.06% | 14.80% | -0.42% |
| Q1 2024 | 20.60% | 20.60% | 21.35% | 14.69% | -0.28% |
| Q2 2024 | 20.05% | 20.05% | 20.75% | 14.52% | 0.29% |
| Q3 2024 | 20.03% | 20.03% | 20.73% | 13.77% | -0.30% |
| Q4 2024 | 29.60% | 29.60% | 30.33% | 19.55% | -1.69% |
| Q1 2025 | 29.56% | 29.56% | 30.29% | 20.32% | 0.20% |
| Q2 2025 | 29.40% | 29.40% | 30.12% | 20.26% | 0.26% |
| Q3 2025 | 28.52% | 28.52% | 29.23% | 20.05% | 0.33% |
| Q4 2025 | 29.38% | 29.38% | 30.12% | 20.02% | -0.43% |
| Q1 2026 | 28.70% | 28.70% | 29.43% | 20.23% | 0.11% |
| Q2 2026 | 29.16% | 29.16% | 29.96% | 20.32% | 0.14% |
Fidelity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)