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%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Total equity capital rose 5.3% from Q1 2026 to Q2 2026, ending at $14.5M against $13.7M. It was the largest change among the key lines on this page. Within Illinois, Fidelity Bank is 173rd of 198 on CET1 ratio, 11.02% as of Q2 2026. The median for banks in the $100M-1B asset tier is 15.08% on CET1 ratio. Fidelity Bank sits 4.07 points lower, at 11.02% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.02% |
| Tier 1 risk-based capital ratio | 11.02% |
| Total risk-based capital ratio | 11.78% |
| Tier 1 leverage ratio | 7.97% |
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 | $15.8M |
| Tier 1 capital | $15.8M |
| Total risk-based capital | $16.9M |
| Total equity capital | $14.5M |
| Risk-weighted assets | $143.7M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.28% |
| Tangible equity to tangible assets | 5.58% |
| Equity capital to average assets | 7.15% |
| Internal capital growth rate | 8.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $20.3M |
| Retained earnings | -$956K |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.9M |
| 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 | 14.83% | 14.83% | 15.82% | 9.73% | $109.2M |
| Q4 2023 | 13.98% | 13.98% | 14.95% | 9.23% | $110.9M |
| Q1 2024 | 13.70% | 13.70% | 14.69% | 8.98% | $111.7M |
| Q2 2024 | 13.86% | 13.86% | 14.86% | 8.88% | $110.6M |
| Q3 2024 | 13.31% | 13.31% | 14.27% | 8.92% | $115.3M |
| Q4 2024 | 13.36% | 13.36% | 14.32% | 8.82% | $115.0M |
| Q1 2025 | 12.82% | 12.82% | 13.75% | 8.72% | $118.9M |
| Q2 2025 | 11.67% | 11.67% | 12.45% | 8.38% | $131.9M |
| Q3 2025 | 11.47% | 11.47% | 12.24% | 7.91% | $133.3M |
| Q4 2025 | 11.06% | 11.06% | 11.80% | 8.01% | $140.8M |
| Q1 2026 | 10.99% | 10.99% | 11.75% | 8.03% | $141.1M |
| Q2 2026 | 11.02% | 11.02% | 11.78% | 7.97% | $143.7M |
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 5753) · FFIEC NIC profile (RSSD 597041)