Fidelity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fidelity Bank of Savanna, IL against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.64% | 1.25% | -0.61% | 16th bottom |
| ROAE | 9.14% | 12.22% | -3.08% | 30th below |
| Net Interest Margin | 3.97% | 3.95% | +0.02% | 51st above |
| Efficiency Ratio | 84.12% | 63.71% | +20.41% | 9th bottom |
| PPNR / Avg Assets | 0.70% | — | — | 11th bottom |
| Yield on Earning Assets | 6.39% | 5.67% | +0.72% | 83rd top |
| Cost of Funds | 2.44% | 1.87% | +0.57% | 16th bottom |
| Net Interest Spread | 3.55% | — | — | 62nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.78% | 0.88% | -0.10% | 34th below |
| NPA / Total Assets | 0.58% | — | — | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 44th below |
| ACL / Total Loans | 0.64% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 82.01% | — | — | 21st bottom |
| Texas Ratio | 9.77% | 5.96% | +3.81% | 19th bottom |
| Provision / NCO | 1500.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.02% | 17.18% | -6.16% | 8th bottom |
| Tier 1 Ratio | 11.02% | 17.21% | -6.19% | 8th bottom |
| Total Capital Ratio | 11.78% | — | — | 6th bottom |
| Leverage Ratio | 7.97% | 11.75% | -3.78% | 2nd bottom |
| Equity / Assets | 7.28% | 10.98% | -3.70% | 8th bottom |
| TCE / Tangible Assets | 5.58% | — | — | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.00% | 80.44% | +8.56% | 31st below |
| Core Deposit Ratio | 78.26% | 86.95% | -8.69% | 13th bottom |
| Wholesale Funding Ratio | 8.67% | — | — | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.25% | — | — | 20th bottom |
| Loan Growth (Y/Y) | 13.04% | — | — | 82nd top |
| Deposit Growth (Y/Y) | 2.80% | — | — | 41st below |
See Fidelity Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fidelity Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Fidelity Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Fidelity Bank peer analysis.