Fidelity Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fidelity Bank, N.A. of Wichita, KS against its peer group of 931 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 Behind the peer average, ahead of the median peer. | 1.29% | 1.46% | -0.17% | 51st above |
| ROAE | 12.89% | 12.72% | +0.17% | 54th above |
| Net Interest Margin | 4.10% | 3.85% | +0.25% | 75th top |
| Efficiency Ratio | 60.47% | 57.40% | +3.07% | 43rd below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.73% | 1.88% | -0.15% | 50th above |
| Yield on Earning Assets | 6.27% | 5.72% | +0.55% | 84th top |
| Cost of Funds | 1.95% | 2.02% | -0.07% | 55th above |
| Net Interest Spread | 3.67% | 3.18% | +0.49% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 1.00% | -0.18% | 39th below |
| NPA / Total Assets | 1.24% | 0.76% | +0.48% | 18th bottom |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 53rd above |
| ACL / Total Loans | 1.32% | 1.31% | +0.01% | 73rd above |
| ACL / NPLs (Coverage) | 160.52% | 543.85% | -383.33% | 46th below |
| Texas Ratio | 11.73% | 7.38% | +4.35% | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.97% | 17.35% | -6.38% | 9th bottom |
| Tier 1 Ratio | 10.97% | 17.38% | -6.41% | 9th bottom |
| Total Capital Ratio | 12.16% | 18.43% | -6.27% | 12th bottom |
| Leverage Ratio | 9.99% | 11.44% | -1.45% | 37th below |
| Equity / Assets | 9.83% | 11.34% | -1.51% | 39th below |
| TCE / Tangible Assets | 9.64% | 10.50% | -0.86% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 100.45% | 86.94% | +13.51% | 16th bottom |
| Core Deposit Ratio | 92.45% | 85.55% | +6.90% | 71st above |
| Uninsured Deposit Ratio | 38.79% | 33.11% | +5.68% | 30th below |
| Wholesale Funding Ratio | 11.22% | 5.70% | +5.52% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.14% | 9.69% | -8.55% | 22nd bottom |
| Loan Growth (Y/Y) | 2.17% | 8.06% | -5.89% | 29th below |
| Deposit Growth (Y/Y) | -3.50% | 7.88% | -11.38% | 7th bottom |
See Fidelity Bank, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fidelity Bank, N.A., 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, N.A. profile, how to read a UBPR, or how this data updates.