The Fidelity Bank: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 14.37 percentage points lower than in Q1 2026, at 228.11%. The Fidelity Bank ranks 7th of 38 North Carolina banks on return on assets, in the upper half at 1.71% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Fidelity Bank sits 0.44 points higher, at 1.71% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.56% |
| Tier 1 risk-based capital ratio | 16.56% |
| Total risk-based capital ratio | 17.81% |
| Tier 1 leverage ratio | 11.47% |
| Equity capital to assets | 10.03% |
| Tangible equity to tangible assets | 9.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 3.75% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 228.11% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 17.45% |
| Net interest margin | 3.97% |
| Efficiency ratio | 50.85% |
| Yield on earning assets | 4.75% |
| Cost of funds | 0.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.07% |
| Core deposits to total deposits | 95.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.55% |
| Securities to assets | 22.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.84% | 12.84% | 14.09% | 9.13% | 1.58% |
| Q4 2023 | 12.97% | 12.97% | 14.22% | 9.32% | 1.38% |
| Q1 2024 | 13.22% | 13.22% | 14.47% | 9.70% | 1.39% |
| Q2 2024 | 13.63% | 13.63% | 14.88% | 9.93% | 1.55% |
| Q3 2024 | 13.98% | 13.98% | 15.23% | 10.14% | 1.64% |
| Q4 2024 | 14.27% | 14.27% | 15.49% | 10.13% | 1.56% |
| Q1 2025 | 14.67% | 14.67% | 15.92% | 10.50% | 1.53% |
| Q2 2025 | 14.81% | 14.81% | 16.04% | 10.62% | 1.62% |
| Q3 2025 | 15.26% | 15.26% | 16.51% | 10.68% | 1.78% |
| Q4 2025 | 15.83% | 15.83% | 17.08% | 10.94% | 1.78% |
| Q1 2026 | 16.25% | 16.25% | 17.50% | 11.30% | 1.67% |
| Q2 2026 | 16.56% | 16.56% | 17.81% | 11.47% | 1.71% |
The Fidelity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fidelity Bank, 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 The Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11507) · FFIEC NIC profile (RSSD 584920)