Fidelity Bank (West Memphis, AR)
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Data as of · sourced from FFIEC call reports. How we update
Fidelity Bank is an FDIC-insured commercial bank headquartered in West Memphis, AR, established in 1966 (FDIC certificate 19644), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $546.8M, down 0.9% from Q2 2025, the 37th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 19644
- Headquarters
- West Memphis, AR
- Established
- 1966
- Total assets, Q2 2026
- $546.8M
- Assets vs Q2 2025
- -0.9%
- Tier 1 leverage ratio, Q2 2026
- 13.07%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 084001148
- Holding company
- CARLSON BANCSHARES, INC.
- Asset rank in state
- 37th of 78 in Arkansas
Problem loans are rising at Fidelity Bank. Its balance sheet stood at $547 million at June 30, 2026; it is based in West Memphis, Arkansas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.74% of loans from 0.00% a year earlier. It lost 3.6% of its deposits over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also keeps 3.05 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $24 million equal 33% of Tier 1 capital, down from 49% a year earlier. Net income for the quarter rose 20% from a year earlier, to $1.8 million.
As of June 30, 2026, Fidelity Bank reported a return on assets of 1.32%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 3.74%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fidelity Bank is the 37th largest of the 78 banks headquartered in Arkansas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $546.8M, loans fell 2.7% and deposits fell 3.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 37.6% of total loans, ahead of 1-4 family residential loans at 13.3%. Its 6 offices in the FDIC Summary of Deposits are in West Memphis, AR, Marion, AR and Wynne, AR; its West Memphis 2 offices book 75% of its branch deposits. On its Q2 2026 call report, Fidelity Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 330 W Broadway St, West Memphis, AR 72301
- County
- Crittenden
- Metro Area
- Memphis, TN-Ms-Ar
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 4, 1966
- Former names
- Fidelity National Bank (1998-2019); Fidelity National Bank of West Memphis (1970-1998)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $496.2M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $547.4M
- Average total loans
- $260.5M
- Average interest-bearing deposits
- $497.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 4, 1966
- FDIC Cert
- 19644
- Fed RSSD
- 848248
- Website
- www.fidelitybanker.com →
- Parent Holding Company
- CARLSON BANCSHARES, INC. (RSSD 1491641)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Fidelity Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Fidelity Bank's total assets ranged from $542.1M (Q3 2023) to $558.2M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$546.8M total assets against $551.7M; $499.3M total liabilities against $517.0M.
$253.5M net loans and leases against $261.2M; $496.2M total deposits against $514.5M.
$267.1M securities against $262.2M; $7.8M cash and balances due against $10.6M.
$6.1M total interest income against $6.1M; $2.1M total interest expense against $2.3M.
$4.0M net interest income against $3.8M.
$397K total noninterest income against $373K; $2.6M total noninterest expense against $2.6M.
$0 provision for credit losses against $0.
$1.8M net income against $1.5M.
1.32% return on assets against 1.09%; 3.05% net interest margin against 2.79%.
13.07% tier 1 leverage ratio against 12.30%.
Inside the full Fidelity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFidelity Bank rankings
Its closest position to the top of a national ranking is 1,419 of 3,606, for efficiency ratio; its furthest is 1,698 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.49% (Q4 2024) to 1.32% (Q2 2026) and its net interest margin ran from 2.59% (Q3 2024) to 3.05% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.07% | 1.32% | 0.74% | 3.74% | 3.05% |
| Q1 2026 | 12.68% | 1.25% | 0.72% | 4.02% | 2.92% |
| Q4 2025 | 12.60% | 1.17% | 0.71% | 3.90% | 2.84% |
| Q3 2025 | 12.62% | 1.12% | 0.00% | 0.00% | 2.83% |
| Q2 2025 | 12.30% | 1.09% | 0.00% | 0.00% | 2.79% |
| Q1 2025 | 12.10% | 1.01% | 0.01% | 0.10% | 2.60% |
| Q4 2024 | 11.01% | 0.49% | 0.01% | 0.11% | 2.64% |
| Q3 2024 | 11.33% | 0.52% | 0.05% | 1.20% | 2.59% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fidelity Bank (main office) | West Memphis , AR | 72301 | $367.9M |
| Marion Branch | Marion , AR | 72364 | $112.7M |
| Wynne Branch | Wynne , AR | 72396 | $8.1M |
| Midway Branch | Marion , AR | 72364 | $4.9M |
| Mid-Continent Branch | West Memphis , AR | 72301 | $2.6M |
| Wynne Branch | Wynne , AR | 72396 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2001 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 20, 2011, OCC: Formal Agreement: Fidelity National Bank
- Period: Most recent institution action July 20, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in AR, rank 41 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 33 applications, 30 loans originated, $3.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $25K approved, $25K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fidelity Bank
What are Fidelity Bank's total assets?
As of the Q2 2026 filing, Fidelity Bank reported total assets of $546.8 million in its FFIEC call report.
Where is Fidelity Bank headquartered?
It is headquartered in West Memphis, AR, United States.
When was Fidelity Bank founded?
It was established in 1966, per the FDIC institution directory.
Is Fidelity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fidelity Bank?
Fidelity Bank's primary federal regulator is the Federal Reserve.
How many branches does Fidelity Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fidelity Bank's Texas Ratio?
Its Texas Ratio is 3.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Fidelity Bank previously called?
The charter now named Fidelity Bank has also operated as Fidelity National Bank (1998-2019), Fidelity National Bank of West Memphis (1970-1998), per FDIC structure-change records.
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