Fidelity Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Fidelity Bank & Trust is an FDIC-insured commercial bank headquartered in Dubuque, IA, established in 1910 (FDIC certificate 14382), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.60B, up 28.6% from Q2 2025, the 8th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 10.67% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14382
- Headquarters
- Dubuque, IA
- Established
- 1910
- Total assets, Q2 2026
- $2.60B
- Assets vs Q2 2025
- +28.6%
- CET1 ratio, Q2 2026
- 10.67%
- Domestic offices
- 36 FDIC institution directory, current count
- Routing number
- 073914398
- Latest call report
- Q2 2026, FFIEC 041 · Fidelity Bank & Trust call report
- Holding company
- FIDELITY COMPANY
- Asset rank in state
- 8th of 225 in Iowa
Fidelity Bank & Trust operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $2.6 billion at June 30, 2026, up 28.6% from a year earlier; it is based in Dubuque, Iowa. It holds common equity equal to 10.67% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also carries problem assets equal to 14.2% of the capital and reserves that would absorb them, 4.0 times the median of 3.6% for banks its size. It has also been growing, with assets up 28.6% in a year.
Earnings jumped: net income for the quarter was $8.3 million, 60% above the same quarter a year earlier. Over the same year, loans grew 38.4% and deposits grew 23.4%. Funding is the softer spot: it holds about two-fifths of its deposits (41%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Fidelity Bank & Trust reported a CET1 capital ratio of 10.67%, a return on assets of 1.28%, a nonperforming-loan ratio of 1.26% and a Texas ratio of 14.24%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fidelity Bank & Trust is the 8th largest of the 225 banks headquartered in Iowa. Between Q1 2026 and Q2 2026, its total assets rose 0.8% to $2.60B, loans rose 1.2% and deposits fell 1.0%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 24.5% of total loans, followed by agricultural production loans at 22.5%. Its 36 offices in the FDIC Summary of Deposits are in 35 cities across 4 states; its Dubuque 2 offices book 10% of its branch deposits. Judged on its Q2 2026 call report, Fidelity Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4250 Asbury Rd, Dubuque, IA 52002
- County
- Dubuque
- Metro Area
- Dubuque, IA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- April 20, 1910
- Domestic offices
- 36 FDIC institution directory, current count
- Employees (FTE)
- 291
- Domestic deposits
- $2.13B
- Allowance for credit losses
- $20.6M
- Net charge-offs (YTD)
- $79K
- Average total assets
- $2.61B
- Average total loans
- $1.89B
- Average interest-bearing deposits
- $1.80B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 19, 1934
- FDIC Cert
- 14382
- Fed RSSD
- 939249
- SEC CIK
- 1905320 → filed by FIDELITY COMPANY
- Website
- http://www.bankfidelity.com →
- Parent Holding Company
- FIDELITY COMPANY (RSSD 1203778)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Fidelity Bank & Trust's total assets moved between a low of $1.81B (Q3 2023) and a high of $2.60B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.60B total assets against $2.02B; $2.33B total liabilities against $1.82B.
$1.89B net loans and leases against $1.36B; $2.13B total deposits against $1.73B.
$474.5M securities against $469.5M; $49.5M cash and balances due against $44.5M.
$32.6M total interest income against $23.5M; $11.5M total interest expense against $9.3M.
$21.0M net interest income against $14.2M.
$2.2M total noninterest income against $1.6M; $12.3M total noninterest expense against $9.2M.
$500K provision for credit losses against $100K.
$8.3M net income against $5.2M.
1.28% return on assets against 1.02%; 3.52% net interest margin against 3.05%.
10.67% CET1 capital ratio against 11.58%; 8.98% tier 1 leverage ratio against 9.43%.
Inside the full Fidelity Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFidelity Bank & Trust rankings
Its closest position to the top of a national ranking is 341 of 3,640, for Texas Ratio; its furthest is 2,019 of 2,134, for CET1 ratio.
Banks merged into Fidelity Bank & Trust
- State Savings Bank, effective December 6, 2025
- Frost State Bank, effective December 6, 2025
- County Bank, effective October 18, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.75% (Q3 2024) to 1.31% (Q1 2026) and its net interest margin ran from 2.80% (Q3 2024) to 3.72% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.67% | 1.28% | 1.26% | 14.24% | 3.52% |
| Q1 2026 | 10.53% | 1.31% | 0.90% | 11.56% | 3.72% |
| Q4 2025 | 10.56% | 1.30% | 0.37% | 6.94% | 3.47% |
| Q3 2025 | 11.64% | 0.99% | 0.15% | 5.48% | 3.17% |
| Q2 2025 | 11.58% | 1.02% | 1.15% | 8.88% | 3.05% |
| Q1 2025 | 11.54% | 0.88% | 0.97% | 7.63% | 2.93% |
| Q4 2024 | 11.46% | 0.90% | 0.75% | 6.15% | 2.87% |
| Q3 2024 | 11.53% | 0.75% | 0.75% | 5.71% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View all 36 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dyersville Branch | Dyersville , IA | 52040 | $198.7M |
| Fidelity Bank & Trust (main office) | Dubuque , IA | 52002 | $161.2M |
| New Hampton Branch | New Hampton , IA | 50659 | $101.3M |
| Cascade Branch | Cascade , IA | 52033 | $100.6M |
| Sigourney Branch | Sigourney , IA | 52591 | $99.4M |
| Waverly Branch | Waverly , IA | 50677 | $97.5M |
| Guttenberg Branch | Guttenberg , IA | 52052 | $95.0M |
| Oelwein Branch | Oelwein , IA | 50662 | $93.5M |
| Tipton Branch | Tipton , IA | 52772 | $90.8M |
| East Dubuque Branch | East Dubuque , IL | 61025 | $73.4M |
| Anamosa Branch | Anamosa , IA | 52205 | $70.6M |
| Bancroft Branch | Bancroft , IA | 50517 | $69.4M |
| Rake Branch | Rake , IA | 50465 | $62.3M |
| Cedar Cross Road Branch | Dubuque , IA | 52003 | $54.8M |
| Epworth Branch | Epworth , IA | 52045 | $54.0M |
| West Branch Branch | West Branch , IA | 52358 | $52.3M |
| Postville Branch | Postville , IA | 52162 | $49.7M |
| Calmar Branch | Calmar , IA | 52132 | $48.6M |
| Bellevue Branch | Bellevue , IA | 52031 | $47.3M |
| Clarence Branch | Clarence , IA | 52216 | $45.8M |
| Peosta Branch | Peosta , IA | 52068 | $44.2M |
| Maquoketa Branch | Maquoketa , IA | 52060 | $44.2M |
| Ossian Branch | Ossian , IA | 52161 | $38.4M |
| Deep River Branch | Deep River , IA | 52222 | $36.4M |
| Monticello Branch | Monticello , IA | 52310 | $34.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 6, 2025 | Structure Change | Acquired State Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 2025 | Structure Change | Acquired County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 17, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2022 | Structure Change | Acquired Farmers & Traders Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2019 | Structure Change | Acquired Community State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 11, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 2019 | Structure Change | Acquired State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2015 | Structure Change | Acquired East Dubuque Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 16, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 16, 2011 | Structure Change | Acquired Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 17, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 17, 2010 | Structure Change | Acquired Iowa Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2009 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 17, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 11, 2008 | Structure Change | Acquired State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 14, 2007 | Structure Change | Acquired The First National Bank, Oelwein Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 12, 2007 | Structure Change | Acquired Valley State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 23 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.5% of deposits in IA, rank 12 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 828 applications, 758 loans originated, $157.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Fidelity Bank & Trust
What are Fidelity Bank & Trust's total assets?
As of the Q2 2026 filing, Fidelity Bank & Trust reported total assets of $2.60 billion in its FFIEC call report.
Where is Fidelity Bank & Trust headquartered?
It is headquartered in Dubuque, IA, United States.
When was Fidelity Bank & Trust founded?
It was established in 1910, per the FDIC institution directory.
Is Fidelity Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14382). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fidelity Bank & Trust?
Fidelity Bank & Trust's primary federal regulator is the FDIC.
What is Fidelity Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.67% in its Q2 2026 call report, above regulatory requirements.
How many branches does Fidelity Bank & Trust operate?
It operates 36 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fidelity Bank & Trust's Texas Ratio?
Its Texas Ratio is 14.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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