The Fidelity Bank
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Data as of · sourced from FFIEC call reports. How we update
The Fidelity Bank is an FDIC-insured commercial bank headquartered in Fuquay Varina, NC, established in 1909 (FDIC certificate 11507), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.66B, up 9.3% from Q2 2025, the 7th largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 16.56% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11507
- Headquarters
- Fuquay Varina, NC
- Established
- 1909
- Total assets, Q2 2026
- $4.66B
- Assets vs Q2 2025
- +9.3%
- CET1 ratio, Q2 2026
- 16.56%
- Domestic offices
- 55 FDIC institution directory, current count
- Routing number
- 053103585
- Holding company
- FIDELITY BANCSHARES (N.C.), INC.
- Asset rank in state
- 7th of 38 in North Carolina
The Fidelity Bank, based in Fuquay Varina, North Carolina, reported $4.7 billion in assets at June 30, 2026, up 9.3% from a year earlier. It pays an average of 0.87% on its deposits and borrowings, about half the median of 2.01% for the 895 banks with $1 billion to $10 billion in assets. It also returns 17.4% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Net income for the quarter rose 14% from a year earlier, to $20 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.42% of loans, down from 0.56% a year earlier.
As of June 30, 2026, The Fidelity Bank reported a CET1 capital ratio of 16.56%, a return on assets of 1.71%, a nonperforming-loan ratio of 0.42% and a Texas ratio of 2.92%. The figures come from its call report filed with the FFIEC.
Of the 38 banks headquartered in North Carolina, The Fidelity Bank is the 7th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.6% to $4.66B, loans rose 1.6% and deposits rose 3.6%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 32.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 21.2%. The FDIC Summary of Deposits lists 55 offices for it, in 50 cities across 3 states; its Raleigh 4 offices book 10% of its branch deposits. Judged on its Q2 2026 call report, The Fidelity Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Main St, Fuquay Varina, NC 27526
- County
- Wake
- Metro Area
- Raleigh-Cary, NC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Former names
- The Fidelity Bank (2012); Bank of Fuquay (1970)
- Domestic offices
- 55 FDIC institution directory, current count
- Employees (FTE)
- 579
- Domestic deposits
- $4.17B
- Allowance for credit losses
- $37.0M
- Net charge-offs (YTD)
- $873K
- Average total assets
- $4.67B
- Average total loans
- $2.90B
- Average interest-bearing deposits
- $2.28B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11507
- Fed RSSD
- 584920
- SEC CIK
- 825953 → filed by FIDELITY BANCSHARES (N.C.), INC.
- Website
- www.fidelitybanknc.com →
- Parent Holding Company
- FIDELITY BANCSHARES (N.C.), INC. (RSSD 1249002)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
The Fidelity Bank's total assets moved between a low of $3.76B (Q3 2023) and a high of $4.66B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.66B total assets against $4.26B; $4.19B total liabilities against $3.89B.
$2.89B net loans and leases against $2.73B; $4.17B total deposits against $3.87B.
$1.05B securities against $1.04B; $574.7M cash and balances due against $348.1M.
$53.6M total interest income against $49.2M; $8.9M total interest expense against $9.7M.
$44.7M net interest income against $39.5M.
$9.8M total noninterest income against $8.9M; $27.9M total noninterest expense against $24.7M.
$925K provision for credit losses against $890K.
$20.0M net income against $17.5M.
1.71% return on assets against 1.62%; 3.97% net interest margin against 3.77%.
16.56% CET1 capital ratio against 14.81%; 11.47% tier 1 leverage ratio against 10.62%.
Inside the full The Fidelity Bank 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.
The Fidelity Bank rankings
Its closest position to the top of a national ranking is 294 of 4,196, for total assets; its furthest is 1,885 of 3,640, for Texas Ratio.
Banks merged into The Fidelity Bank
- Affinity Bank, National Association, effective August 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.53% (Q1 2025) to 1.78% (Q4 2025) and its net interest margin ran from 3.64% (Q4 2024) to 3.97% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.56% | 1.71% | 0.42% | 2.92% | 3.97% |
| Q1 2026 | 16.25% | 1.67% | 0.38% | 2.76% | 3.88% |
| Q4 2025 | 15.83% | 1.78% | 0.27% | 1.69% | 3.90% |
| Q3 2025 | 15.26% | 1.78% | 0.64% | 4.41% | 3.86% |
| Q2 2025 | 14.81% | 1.62% | 0.56% | 4.16% | 3.77% |
| Q1 2025 | 14.67% | 1.53% | 0.44% | 3.39% | 3.69% |
| Q4 2024 | 14.27% | 1.56% | 0.59% | 4.80% | 3.64% |
| Q3 2024 | 13.98% | 1.64% | 0.65% | 4.95% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
View all 55 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 |
|---|---|---|---|
| The Fidelity Bank | Fuquay Varina , NC | 27526 | $226.2M |
| Cary Branch | Cary , NC | 27511 | $170.5M |
| Shelby Branch | Shelby , NC | 28150 | $165.6M |
| Burlington Branch | Burlington , NC | 27215 | $127.7M |
| Kernersville Branch | Kernersville , NC | 27284 | $126.0M |
| Rockingham Main Branch | Rockingham , NC | 28379 | $121.8M |
| Gastonia - Cox Road Branch | Gastonia , NC | 28054 | $120.2M |
| Falls of the Neuse Branch | Raleigh , NC | 27609 | $114.9M |
| Cameron Village Branch | Raleigh , NC | 27605 | $108.4M |
| North Raleigh Branch | Raleigh , NC | 27612 | $106.9M |
| Durham Branch | Durham , NC | 27707 | $106.7M |
| Liberty Branch | Liberty , NC | 27298 | $104.2M |
| Garner Branch | Garner , NC | 27529 | $101.7M |
| Biscoe Branch | Biscoe , NC | 27209 | $94.6M |
| Lillington Branch | Lillington , NC | 27546 | $94.4M |
| Wake Forest Branch | Wake Forest , NC | 27587 | $92.0M |
| Troy Branch | Troy , NC | 27371 | $90.5M |
| Stokesdale Branch | Stokesdale , NC | 27357 | $87.4M |
| Siler City Branch | Siler City , NC | 27344 | $86.8M |
| Holly Springs Branch | Holly Springs , NC | 27540 | $81.0M |
| Oxford Branch | Oxford , NC | 27565 | $80.3M |
| Winston-Salem Branch | Winston Salem , NC | 27103 | $79.5M |
| Lexington Branch | Lexington , NC | 27292 | $79.4M |
| Morrisville Branch | Morrisville , NC | 27560 | $78.8M |
| Martinsville Branch | Martinsville , VA | 24112 | $78.3M |
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 |
|---|---|---|---|
| August 1, 2026 | M&A | Acquired Affinity Bancshares, Inc. merger for the acquired bank | SEC |
| August 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2026 | Structure Change | Acquired Affinity Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1996 | Structure Change | Acquired Perpetual State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 1993 | Structure Change | Acquired First American Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1992 | Structure Change | Acquired Granville Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1970 | Structure Change | Acquired Citizens 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 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in NC, rank 15 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,624 applications, 1,177 loans originated, $343.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 50 loans, $50.2M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 The Fidelity Bank
What are The Fidelity Bank's total assets?
As of the Q2 2026 filing, The Fidelity Bank reported total assets of $4.66 billion in its FFIEC call report.
Where is The Fidelity Bank headquartered?
It is headquartered in Fuquay Varina, NC, United States.
When was The Fidelity Bank founded?
It was established in 1909, per the FDIC institution directory.
Is The Fidelity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Fidelity Bank?
The Fidelity Bank's primary federal regulator is the FDIC.
What is The Fidelity Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.56% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Fidelity Bank operate?
It operates 55 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Fidelity Bank's Texas Ratio?
Its Texas Ratio is 2.92% 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.
What was The Fidelity Bank previously called?
The charter now named The Fidelity Bank has also operated as The Fidelity Bank (2012), Bank of Fuquay (1970), per FDIC structure-change records.
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