The Fidelity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Fidelity Bank of Fuquay Varina, NC against its peer group of 931 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 | 1.71% | 1.46% | +0.25% | 78th top |
| ROAE | 17.45% | 12.71% | +4.74% | 82nd top |
| Net Interest Margin | 3.97% | 3.85% | +0.12% | 66th above |
| Efficiency Ratio | 50.85% | 57.42% | -6.57% | 74th above |
| PPNR / Avg Assets | 2.29% | 1.88% | +0.41% | 81st top |
| Yield on Earning Assets | 4.75% | 5.72% | -0.97% | 12th bottom |
| Cost of Funds | 0.87% | 2.02% | -1.15% | 97th top |
| Net Interest Spread | 3.20% | 3.18% | +0.02% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.55% | 1.00% | -0.45% | 54th above |
| NPA / Total Assets | 0.39% | 0.76% | -0.37% | 58th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 46th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.26% | 1.31% | -0.05% | 66th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 228.11% | 543.93% | -315.82% | 59th above |
| Texas Ratio | 3.75% | 7.40% | -3.65% | 59th above |
| Provision / NCO | 154.87% | 619.59% | -464.72% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.56% | 17.34% | -0.78% | 81st top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.56% | 17.37% | -0.81% | 81st top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.81% | 18.42% | -0.61% | 82nd top |
| Leverage Ratio | 11.47% | 11.44% | +0.03% | 69th above |
| Equity / Assets | 10.03% | 11.34% | -1.31% | 44th below |
| TCE / Tangible Assets | 9.62% | 10.50% | -0.88% | 46th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.07% | 86.98% | -16.91% | 86th top |
| Core Deposit Ratio | 95.13% | 85.54% | +9.59% | 86th top |
| Uninsured Deposit Ratio | 38.22% | 33.11% | +5.11% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.35% | 9.68% | -0.33% | 74th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.86% | 8.06% | -2.20% | 51st above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.86% | 7.87% | -0.01% | 66th above |
See The Fidelity Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Fidelity Bank, 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 The Fidelity Bank profile, how to read a UBPR, or how this data updates.