The Fidelity Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 5.4% to $8.9M. Within North Carolina, The Fidelity Bank is 11th of 38 on net interest margin, 3.97% as of Q2 2026, above the middle of the field. The Fidelity Bank reported 3.97% on net interest margin for Q2 2026, 0.26 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.75% |
| Yield on loans | 5.91% |
| Yield on securities | 2.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.87% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.55% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $42.8M |
| Total interest expense | $8.9M |
| Interest expense on deposits | $8.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.14% | 0.55% | 3.63% | 5.35% | 2.10% |
| Q4 2023 | 4.23% | 0.76% | 3.54% | 5.42% | 2.08% |
| Q1 2024 | 4.33% | 0.88% | 3.52% | 5.51% | 2.05% |
| Q2 2024 | 4.44% | 0.91% | 3.61% | 5.62% | 2.06% |
| Q3 2024 | 4.59% | 1.01% | 3.67% | 5.78% | 2.06% |
| Q4 2024 | 4.61% | 1.09% | 3.64% | 5.81% | 2.06% |
| Q1 2025 | 4.63% | 1.04% | 3.69% | 5.82% | 2.06% |
| Q2 2025 | 4.69% | 1.02% | 3.77% | 5.87% | 2.06% |
| Q3 2025 | 4.79% | 1.03% | 3.86% | 5.99% | 2.09% |
| Q4 2025 | 4.79% | 1.00% | 3.90% | 6.04% | 2.14% |
| Q1 2026 | 4.72% | 0.94% | 3.88% | 5.89% | 2.24% |
| Q2 2026 | 4.75% | 0.87% | 3.97% | 5.91% | 2.26% |
The Fidelity Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fidelity Bank, freeSource: Call Report Schedules RI and RC-K, 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)