Fidelity Bank of Texas
Operating from Waco, TX, Fidelity Bank of Texas serves its local market as an FDIC-insured commercial bank. Fidelity Bank of Texas's Q1 2026 balance sheet shows $165M in assets funded primarily by $135M in customer deposits. Earnings turned negative this period, with ROA at -0.38%. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.90% exceeds the 9% CBLR threshold. Asset quality is pristine — 0.00% NPLs and a 4.09% Texas Ratio. 2 branches make up the footprint.
Headquarters Profile
- Address
- 1901 Lake Shore Dr, WACO, TX 76708
- County
- Mclennan
- Metro Area
- WACO, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- March 1, 1974
- Branches
- 2 domestic
- Employees (FTE)
- 39
- FDIC Cert
- 21455
- Fed RSSD
- 741068
- Website
- www.fbot.com →
- Parent Holding Company
- FIDELITY BANCSHARES, INC. (RSSD 1108501)
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Fidelity Bank of Texas rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Fidelity Bank of Texas
What are Fidelity Bank of Texas's total assets?
As of the Q1 2026 filing, Fidelity Bank of Texas reported total assets of $165.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fidelity Bank of Texas headquartered?
Fidelity Bank of Texas is headquartered in WACO, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Fidelity Bank of Texas founded?
Fidelity Bank of Texas was established in 1974, per the FDIC institution directory.
Is Fidelity Bank of Texas FDIC-insured?
Yes. Fidelity Bank of Texas is an FDIC-insured commercial bank (FDIC Certificate #21455). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fidelity Bank of Texas?
Fidelity Bank of Texas's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Fidelity Bank of Texas operate?
Fidelity Bank of Texas operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Fidelity Bank of Texas's Texas Ratio?
Fidelity Bank of Texas's Texas Ratio is 4.09% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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