Fidelity Bank of Texas
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Data as of · sourced from FFIEC call reports. How we update
Fidelity Bank of Texas is an FDIC-insured commercial bank headquartered in Waco, TX, established in 1974 (FDIC certificate 21455), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $162.8M, up 18.4% from Q2 2025, the 273rd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 21455
- Headquarters
- Waco, TX
- Established
- 1974
- Total assets, Q2 2026
- $162.8M
- Assets vs Q2 2025
- +18.4%
- Tier 1 leverage ratio, Q2 2026
- 10.65%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111905340
- Latest call report
- Q2 2026, FFIEC 051 · Fidelity Bank of Texas call report
- Holding company
- FIDELITY BANCSHARES, INC.
- Asset rank in state
- 273rd of 346 in Texas
Fidelity Bank of Texas spends more to run itself than most banks of its size. It reported $163 million in assets at June 30, 2026, up 18.4% from a year earlier. It loses about $0.72 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 112 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $293,000 in the quarter. Over the same year, loans grew 17.4% and deposits grew 23.5%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Fidelity Bank of Texas reported a return on assets of -0.72%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.30%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fidelity Bank of Texas is the 273rd largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $162.8M, loans rose 6.1% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.0% of total loans, ahead of non-owner-occupied commercial real estate loans at 22.4%. Its 2 offices in the FDIC Summary of Deposits are in Waco, TX and Robinson, TX; its Waco office books 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, Fidelity Bank of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1901 Lake Shore Dr, Waco, TX 76708
- County
- Mclennan
- Metro Area
- Waco, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1974
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $132.5M
- Allowance for credit losses
- $691K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $163.2M
- Average total loans
- $105.7M
- Average interest-bearing deposits
- $103.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 1974
- FDIC Cert
- 21455
- Fed RSSD
- 741068
- SEC CIK
- 2020154 → filed by FIDELITY BANCSHARES, INC.
- Website
- www.fbot.com →
- Parent Holding Company
- FIDELITY BANCSHARES, INC. (RSSD 1108501)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Fidelity Bank of Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Fidelity Bank of Texas's total assets ranged from $117.4M (Q4 2023) to $165.4M (Q1 2026), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$162.8M total assets against $137.5M; $138.6M total liabilities against $113.5M.
$109.1M net loans and leases against $93.0M; $132.5M total deposits against $107.3M.
$2.0M securities against $15.0M; $33.8M cash and balances due against $13.0M.
$2.2M total interest income against $2.3M; $705K total interest expense against $391K.
$1.5M net interest income against $1.9M.
$113K total noninterest income against $100K; $1.9M total noninterest expense against $1.7M.
$5K provision for credit losses against $69K.
-$293K net income against $187K.
-0.72% return on assets against 0.58%; 4.25% net interest margin against 6.81%.
10.65% tier 1 leverage ratio against 13.07%.
Inside the full Fidelity Bank of Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Fidelity Bank of Texas rankings
Its closest position to the top of a national ranking is 3,200 of 4,196, for total assets; its furthest is 3,582 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.86% (Q4 2024) to 1.78% (Q4 2025) and its net interest margin ran from 4.25% (Q2 2026) to 6.81% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.65% | -0.72% | 0.05% | 0.30% | 4.25% |
| Q1 2026 | 10.90% | -0.38% | 0.69% | 4.09% | 4.29% |
| Q4 2025 | 11.58% | 1.78% | 4.78% | 28.80% | 5.62% |
| Q3 2025 | 11.92% | -0.19% | 4.92% | 29.36% | 5.22% |
| Q2 2025 | 13.07% | 0.58% | 0.00% | 0.00% | 6.81% |
| Q1 2025 | 12.97% | 0.36% | 0.00% | 0.00% | 5.07% |
| Q4 2024 | 12.72% | -0.86% | 0.00% | 0.00% | 5.00% |
| Q3 2024 | 12.83% | 0.01% | 0.00% | 0.00% | 4.49% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fidelity Bank of Texas (main office) | Waco , TX | 76708 | $71.3M |
| Robinson Branch | Robinson , TX | 76706 | $61.3M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1991 | Structure Change | Acquired Waco State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 337 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 30 applications, 9 loans originated, $1.0M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fidelity Bank of Texas
What are Fidelity Bank of Texas's total assets?
As of the Q2 2026 filing, Fidelity Bank of Texas reported total assets of $162.8 million in its FFIEC call report.
Where is Fidelity Bank of Texas headquartered?
It is headquartered in Waco, TX, United States.
When was Fidelity Bank of Texas founded?
It was established in 1974, per the FDIC institution directory.
Is Fidelity Bank of Texas FDIC-insured?
Yes. It 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 Federal Reserve.
How many branches does Fidelity Bank of Texas operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fidelity Bank of Texas's Texas Ratio?
Its Texas Ratio is 0.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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