Fidelity Bank of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fidelity Bank of Texas of Waco, TX against its peer group of 2603 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 | -0.72% | 1.35% | -2.07% | 2nd bottom |
| ROAE | -4.81% | 13.33% | -18.14% | 3rd bottom |
| Net Interest Margin | 4.25% | 3.93% | +0.32% | 67th above |
| Efficiency Ratio | 112.22% | 61.12% | +51.10% | 2nd bottom |
| PPNR / Avg Assets | -0.71% | 1.68% | -2.39% | 1st bottom |
| Yield on Earning Assets | 6.19% | 5.67% | +0.52% | 77th top |
| Cost of Funds | 2.04% | 1.88% | +0.16% | 35th below |
| Net Interest Spread | 3.62% | 3.32% | +0.30% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 0.63% | 1.28% | -0.65% | 5th bottom |
| Texas Ratio | 0.30% | 7.34% | -7.04% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.65% | 12.14% | -1.49% | 44th below |
| Equity / Assets | 14.86% | 11.36% | +3.50% | 88th top |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.67% | 11.08% | -0.41% | 60th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.82% | 80.66% | +2.16% | 45th below |
| Core Deposit Ratio | 80.33% | 86.85% | -6.52% | 17th bottom |
| Wholesale Funding Ratio | 3.31% | 5.04% | -1.73% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.43% | 6.84% | +11.59% | 94th top |
| Loan Growth (Y/Y) | 17.40% | 7.92% | +9.48% | 90th top |
| Deposit Growth (Y/Y) | 23.47% | 6.29% | +17.18% | 96th top |
See Fidelity Bank of Texas's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fidelity Bank of Texas, 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 of Texas profile, how to read a UBPR, or how this data updates.