The Fidelity Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Total equity capital rose 4.2% in Q2 2026 to $467.7M, the biggest move on this page. Within North Carolina, The Fidelity Bank is 10th of 26 on CET1 ratio, 16.56% as of Q2 2026, above the middle of the field. The Fidelity Bank reported 16.56% on CET1 ratio for Q2 2026, 3.09 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.56% |
| Tier 1 risk-based capital ratio | 16.56% |
| Total risk-based capital ratio | 17.81% |
| Tier 1 leverage ratio | 11.47% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $533.0M |
| Tier 1 capital | $533.0M |
| Total risk-based capital | $573.2M |
| Total equity capital | $467.7M |
| Risk-weighted assets | $3.22B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.03% |
| Tangible equity to tangible assets | 9.62% |
| Equity capital to average assets | 10.02% |
| Internal capital growth rate | 16.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $730K |
| Common stock surplus | $26.4M |
| Retained earnings | $527.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$86.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.84% | 12.84% | 14.09% | 9.13% | $2.76B |
| Q4 2023 | 12.97% | 12.97% | 14.22% | 9.32% | $2.83B |
| Q1 2024 | 13.22% | 13.22% | 14.47% | 9.70% | $2.87B |
| Q2 2024 | 13.63% | 13.63% | 14.88% | 9.93% | $2.89B |
| Q3 2024 | 13.98% | 13.98% | 15.23% | 10.14% | $2.93B |
| Q4 2024 | 14.27% | 14.27% | 15.49% | 10.13% | $2.98B |
| Q1 2025 | 14.67% | 14.67% | 15.92% | 10.50% | $3.01B |
| Q2 2025 | 14.81% | 14.81% | 16.04% | 10.62% | $3.09B |
| Q3 2025 | 15.26% | 15.26% | 16.51% | 10.68% | $3.13B |
| Q4 2025 | 15.83% | 15.83% | 17.08% | 10.94% | $3.14B |
| Q1 2026 | 16.25% | 16.25% | 17.50% | 11.30% | $3.17B |
| Q2 2026 | 16.56% | 16.56% | 17.81% | 11.47% | $3.22B |
The Fidelity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fidelity Bank, freeSource: Call Report Schedule RC-R, 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 The Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11507) · FFIEC NIC profile (RSSD 584920)