Fidelity Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 27.5% in Q2 2026, from $14.4M to $10.4M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Fidelity Bank, N.A. ranks 14th highest among the 182 banks headquartered in Kansas, at 100.45% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Fidelity Bank, N.A. sits 12.25 points higher, at 100.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.60B |
| Net loans and leases | $2.56B |
| Loans held for sale | $10.4M |
| Loans to total assets | 78.74% |
| Loan-to-deposit ratio | 100.45% |
| Net loans to equity capital | 7.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.17% |
| Multifamily (5+ residential) | 6.86% |
| Commercial and industrial | 16.87% |
| Consumer | 3.02% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 323.61% |
| Construction concentration (Tier 1 capital + allowance) | 56.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.64% |
| Interest income on loans | $43.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.46B | $2.55B | 43.52% | 8.01% | 4.36% |
| Q4 2023 | $2.46B | $2.43B | 42.83% | 8.19% | 3.99% |
| Q1 2024 | $2.49B | $2.52B | 42.12% | 8.31% | 3.60% |
| Q2 2024 | $2.46B | $2.41B | 42.75% | 9.12% | 3.29% |
| Q3 2024 | $2.48B | $2.45B | 43.06% | 8.59% | 2.94% |
| Q4 2024 | $2.46B | $2.57B | 42.32% | 10.21% | 2.67% |
| Q1 2025 | $2.51B | $2.61B | 41.80% | 12.01% | 3.95% |
| Q2 2025 | $2.54B | $2.68B | 44.04% | 12.55% | 3.58% |
| Q3 2025 | $2.60B | $2.53B | 44.29% | 12.57% | 3.36% |
| Q4 2025 | $2.63B | $2.60B | 42.80% | 15.83% | 3.08% |
| Q1 2026 | $2.64B | $2.66B | 42.07% | 16.77% | 2.71% |
| Q2 2026 | $2.60B | $2.59B | 42.17% | 16.87% | 3.02% |
Fidelity Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank, N.A., freeSource: Call Report Schedule RC-C, 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)