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 climbed 37.69 percentage points in Q2 2026, from 65.55% to 103.23%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Fidelity Bank is 39th of 78 on return on assets, 1.32% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Fidelity Bank sits 0.06 points higher, at 1.32% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.07% |
| Equity capital to assets | 8.69% |
| Tangible equity to tangible assets | 8.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.32% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.74% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 103.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 15.81% |
| Net interest margin | 3.05% |
| Efficiency ratio | 56.49% |
| Yield on earning assets | 4.56% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 51.79% |
| Core deposits to total deposits | 77.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.75% |
| Securities to assets | 48.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.17% | 3.58% | 2.62% | 0.70% | 0.05% |
| Q4 2023 | 10.81% | 0.07% | 2.54% | 0.74% | 0.00% |
| Q1 2024 | 11.08% | 0.78% | 2.38% | 0.74% | 0.00% |
| Q2 2024 | 11.13% | 1.21% | 2.85% | 0.06% | 0.01% |
| Q3 2024 | 11.33% | 0.52% | 2.59% | 0.66% | 1.62% |
| Q4 2024 | 11.01% | 0.49% | 2.64% | 0.66% | 0.12% |
| Q1 2025 | 12.10% | 1.01% | 2.60% | 0.61% | 0.00% |
| Q2 2025 | 12.30% | 1.09% | 2.79% | 0.59% | 0.05% |
| Q3 2025 | 12.62% | 1.12% | 2.83% | 0.59% | -0.01% |
| Q4 2025 | 12.60% | 1.17% | 2.84% | 1.28% | -0.01% |
| Q1 2026 | 12.68% | 1.25% | 2.92% | 2.01% | 0.00% |
| Q2 2026 | 13.07% | 1.32% | 3.05% | 1.32% | 0.00% |
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 19644) · FFIEC NIC profile (RSSD 848248)