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 dropped 6.06 percentage points in Q2 2026, from 88.07% to 82.01%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Fidelity Bank is 258th of 323 on return on assets, 0.64% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Fidelity Bank sits 0.62 points lower, at 0.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.02% |
| Tier 1 risk-based capital ratio | 11.02% |
| Total risk-based capital ratio | 11.78% |
| Tier 1 leverage ratio | 7.97% |
| Equity capital to assets | 7.28% |
| Tangible equity to tangible assets | 5.58% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.78% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 9.77% |
| Allowance for credit losses to loans | 0.64% |
| Reserve coverage of non-performing loans | 82.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.64% |
| Return on equity | 9.14% |
| Net interest margin | 3.97% |
| Efficiency ratio | 84.12% |
| Yield on earning assets | 6.39% |
| Cost of funds | 2.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.00% |
| Core deposits to total deposits | 78.26% |
| Brokered deposits to total deposits | 13.30% |
| Deposits to assets | 83.33% |
| Securities to assets | 17.63% |
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 | 14.83% | 14.83% | 15.82% | 9.73% | -0.07% |
| Q4 2023 | 13.98% | 13.98% | 14.95% | 9.23% | -1.51% |
| Q1 2024 | 13.70% | 13.70% | 14.69% | 8.98% | -0.41% |
| Q2 2024 | 13.86% | 13.86% | 14.86% | 8.88% | 0.13% |
| Q3 2024 | 13.31% | 13.31% | 14.27% | 8.92% | -0.03% |
| Q4 2024 | 13.36% | 13.36% | 14.32% | 8.82% | 0.09% |
| Q1 2025 | 12.82% | 12.82% | 13.75% | 8.72% | -0.19% |
| Q2 2025 | 11.67% | 11.67% | 12.45% | 8.38% | 0.32% |
| Q3 2025 | 11.47% | 11.47% | 12.24% | 7.91% | -0.22% |
| Q4 2025 | 11.06% | 11.06% | 11.80% | 8.01% | 0.56% |
| Q1 2026 | 10.99% | 10.99% | 11.75% | 8.03% | -0.04% |
| Q2 2026 | 11.02% | 11.02% | 11.78% | 7.97% | 0.64% |
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 5753) · FFIEC NIC profile (RSSD 597041)