The Fidelity Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.48 percentage points lower than in Q1 2026, at 207.15%. The Fidelity Bank ranks 32nd of 38 North Carolina banks on loan-to-deposit ratio, in the lower half at 70.07% (Q2 2026). The Fidelity Bank reported 70.07% on loan-to-deposit ratio for Q2 2026, 18.13 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.93B |
| Net loans and leases | $2.89B |
| Loans held for sale | $11.9M |
| Loans to total assets | 62.75% |
| Loan-to-deposit ratio | 70.07% |
| Net loans to equity capital | 6.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.00% |
| Multifamily (5+ residential) | 2.90% |
| Commercial and industrial | 8.33% |
| Consumer | 0.86% |
| Credit cards | 0.35% |
| Farm | 1.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.15% |
| Construction concentration (Tier 1 capital + allowance) | 83.24% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.91% |
| Interest income on loans | $42.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.36B | $3.48B | 53.84% | 9.54% | 0.65% |
| Q4 2023 | $2.45B | $3.43B | 53.10% | 9.66% | 0.68% |
| Q1 2024 | $2.50B | $3.52B | 53.50% | 9.91% | 0.64% |
| Q2 2024 | $2.53B | $3.57B | 53.14% | 9.63% | 0.70% |
| Q3 2024 | $2.58B | $3.67B | 53.26% | 9.13% | 0.67% |
| Q4 2024 | $2.64B | $3.65B | 53.25% | 8.98% | 0.62% |
| Q1 2025 | $2.68B | $3.79B | 54.10% | 8.03% | 0.65% |
| Q2 2025 | $2.76B | $3.87B | 54.04% | 8.47% | 0.68% |
| Q3 2025 | $2.80B | $4.06B | 54.80% | 8.20% | 0.69% |
| Q4 2025 | $2.85B | $3.94B | 54.56% | 8.29% | 0.78% |
| Q1 2026 | $2.88B | $4.03B | 53.74% | 8.25% | 0.82% |
| Q2 2026 | $2.93B | $4.17B | 54.00% | 8.33% | 0.86% |
The Fidelity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fidelity Bank, freeSource: Call Report Schedule RC-C, 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)