Fidelity Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 4.3% to -$5.7M. Fidelity Bank, N.A. has the 6th lowest CET1 ratio of the 85 banks headquartered in Kansas, at 10.97% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Fidelity Bank, N.A. sits 2.51 points lower, at 10.97% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 12.16% |
| Tier 1 leverage ratio | 9.99% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $323.0M |
| Tier 1 capital | $323.0M |
| Total risk-based capital | $358.1M |
| Total equity capital | $324.2M |
| Risk-weighted assets | $2.94B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.83% |
| Tangible equity to tangible assets | 9.64% |
| Equity capital to average assets | 10.01% |
| Internal capital growth rate | -0.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $103.8M |
| Retained earnings | $225.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.76% | 10.76% | 11.69% | 9.92% | $2.83B |
| Q4 2023 | 10.57% | 10.57% | 11.54% | 9.73% | $2.85B |
| Q1 2024 | 10.43% | 10.43% | 11.51% | 9.30% | $2.87B |
| Q2 2024 | 10.60% | 10.60% | 11.72% | 9.66% | $2.84B |
| Q3 2024 | 10.83% | 10.83% | 11.98% | 9.81% | $2.78B |
| Q4 2024 | 10.97% | 10.97% | 12.12% | 9.92% | $2.78B |
| Q1 2025 | 10.87% | 10.87% | 12.02% | 9.98% | $2.84B |
| Q2 2025 | 10.86% | 10.86% | 12.01% | 9.87% | $2.89B |
| Q3 2025 | 10.66% | 10.66% | 11.82% | 9.92% | $2.97B |
| Q4 2025 | 10.78% | 10.78% | 11.94% | 9.95% | $2.98B |
| Q1 2026 | 10.91% | 10.91% | 12.09% | 9.92% | $2.96B |
| Q2 2026 | 10.97% | 10.97% | 12.16% | 9.99% | $2.94B |
Fidelity Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank, N.A., freeSource: Call Report Schedule RC-R, 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30895) · FFIEC NIC profile (RSSD 762474)