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 West Memphis, AR 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 | 1.32% | 1.25% | +0.07% | 53rd above |
| ROAE | 15.81% | 12.22% | +3.59% | 70th above |
| Net Interest Margin | 3.05% | 3.95% | -0.90% | 10th bottom |
| Efficiency Ratio | 56.49% | 63.71% | -7.22% | 64th above |
| PPNR / Avg Assets | 1.31% | — | — | 33rd below |
| Yield on Earning Assets | 4.56% | 5.67% | -1.11% | 9th bottom |
| Cost of Funds | 1.35% | 1.87% | -0.52% | 78th top |
| Net Interest Spread | 2.38% | — | — | 9th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.74% | 0.88% | -0.14% | 36th below |
| NPA / Total Assets | 0.35% | — | — | 48th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.37% | — | — | 69th above |
| ACL / NPLs (Coverage) | 184.27% | — | — | 45th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.74% | 5.96% | -2.22% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.07% | 11.75% | +1.32% | 75th top |
| Equity / Assets | 8.69% | 10.98% | -2.29% | 22nd bottom |
| TCE / Tangible Assets | 8.69% | — | — | 25th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 51.79% | 80.44% | -28.65% | 91st top |
| Core Deposit Ratio | 77.95% | 86.95% | -9.00% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.88% | — | — | 14th bottom |
| Loan Growth (Y/Y) | -2.91% | — | — | 11th bottom |
| Deposit Growth (Y/Y) | -3.55% | — | — | 9th bottom |
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.