Fidelity Bank & Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings rose 5.4% from Q1 2026 to Q2 2026, ending at $113.8M against $107.9M. It was the largest change among the key lines on this page. Fidelity Bank & Trust has the 8th lowest CET1 ratio of the 114 banks headquartered in Iowa, at 10.67% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Fidelity Bank & Trust sits 2.83 points lower, at 10.67% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.67% |
| Tier 1 risk-based capital ratio | 10.67% |
| Total risk-based capital ratio | 11.72% |
| Tier 1 leverage ratio | 8.98% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $229.0M |
| Tier 1 capital | $229.0M |
| Total risk-based capital | $251.6M |
| Total equity capital | $268.4M |
| Risk-weighted assets | $2.15B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.31% |
| Tangible equity to tangible assets | 8.12% |
| Equity capital to average assets | 10.30% |
| Internal capital growth rate | 8.93% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $200K |
| Common stock surplus | $170.2M |
| Retained earnings | $113.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$15.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.48% | 11.48% | 12.73% | 9.25% | $1.41B |
| Q4 2023 | 11.24% | 11.24% | 12.49% | 9.20% | $1.46B |
| Q1 2024 | 11.08% | 11.08% | 12.31% | 9.08% | $1.50B |
| Q2 2024 | 11.43% | 11.43% | 12.69% | 9.22% | $1.50B |
| Q3 2024 | 11.53% | 11.53% | 12.78% | 9.46% | $1.52B |
| Q4 2024 | 11.46% | 11.46% | 12.71% | 9.35% | $1.57B |
| Q1 2025 | 11.54% | 11.54% | 12.79% | 9.42% | $1.60B |
| Q2 2025 | 11.58% | 11.58% | 12.83% | 9.43% | $1.62B |
| Q3 2025 | 11.64% | 11.64% | 12.89% | 9.37% | $1.62B |
| Q4 2025 | 10.56% | 10.56% | 11.57% | 9.42% | $2.04B |
| Q1 2026 | 10.53% | 10.53% | 11.58% | 8.90% | $2.12B |
| Q2 2026 | 10.67% | 10.67% | 11.72% | 8.98% | $2.15B |
Fidelity Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank & Trust, freeSource: Call Report Schedule RC-R, 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 Fidelity Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14382) · FFIEC NIC profile (RSSD 939249)