Fidelity Bank of Texas: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 6.15 percentage points in Q2 2026, from 76.67% to 82.82%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Fidelity Bank of Texas is 6th from the bottom among 345 Texas banks, -0.72% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Fidelity Bank of Texas reported -0.72% on return on assets in Q2 2026, 1.97 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.65% |
| Equity capital to assets | 14.86% |
| Tangible equity to tangible assets | 10.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.30% |
| Allowance for credit losses to loans | 0.63% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.72% |
| Return on equity | -4.81% |
| Net interest margin | 4.25% |
| Efficiency ratio | 112.22% |
| Yield on earning assets | 6.19% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.82% |
| Core deposits to total deposits | 80.33% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.39% |
| Securities to assets | 1.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.65% | -2.40% | 1.68% | 0.00% | 0.00% |
| Q4 2023 | 13.36% | 0.62% | 4.80% | 0.00% | 0.00% |
| Q1 2024 | 13.53% | 0.58% | 4.48% | 0.00% | 0.01% |
| Q2 2024 | 13.11% | 0.07% | 4.29% | 0.00% | 0.01% |
| Q3 2024 | 12.83% | 0.01% | 4.49% | 0.00% | 0.00% |
| Q4 2024 | 12.72% | -0.86% | 5.00% | 0.00% | 0.01% |
| Q1 2025 | 12.97% | 0.36% | 5.07% | 0.00% | 0.00% |
| Q2 2025 | 13.07% | 0.58% | 6.81% | 0.00% | 0.02% |
| Q3 2025 | 11.92% | -0.19% | 5.22% | 0.00% | 0.01% |
| Q4 2025 | 11.58% | 1.78% | 5.62% | 0.00% | 0.01% |
| Q1 2026 | 10.90% | -0.38% | 4.29% | 0.00% | -0.02% |
| Q2 2026 | 10.65% | -0.72% | 4.25% | 0.00% | 0.01% |
Fidelity Bank of Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank of Texas, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21455) · FFIEC NIC profile (RSSD 741068)