Fidelity Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Fidelity Bank & Trust of Dubuque, IA against its peer group of 941 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 | 1.28% | 1.34% | -0.06% | 48th below |
| ROAE | 12.58% | 12.34% | +0.24% | 50th above |
| Net Interest Margin | 3.52% | 3.83% | -0.31% | 36th below |
| Efficiency Ratio | 51.23% | 58.97% | -7.74% | 72nd above |
| PPNR / Avg Assets | 1.67% | — | — | 45th below |
| Yield on Earning Assets | 5.42% | 5.71% | -0.29% | 43rd below |
| Cost of Funds | 2.00% | 2.02% | -0.02% | 51st above |
| Net Interest Spread | 3.09% | — | — | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.26% | 0.87% | +0.39% | 29th below |
| NPA / Total Assets | 1.24% | — | — | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 83rd top |
| ACL / Total Loans | 1.08% | — | — | 41st below |
| ACL / NPLs (Coverage) | 85.50% | — | — | 28th below |
| Texas Ratio | 14.24% | 5.48% | +8.76% | 7th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.67% | 14.99% | -4.32% | 5th bottom |
| Tier 1 Ratio | 10.67% | 15.02% | -4.35% | 5th bottom |
| Total Capital Ratio | 11.72% | — | — | 6th bottom |
| Leverage Ratio | 8.98% | 11.11% | -2.13% | 11th bottom |
| Equity / Assets | 10.31% | 11.02% | -0.71% | 49th below |
| TCE / Tangible Assets | 8.12% | — | — | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.54% | 86.99% | +2.55% | 47th below |
| Core Deposit Ratio | 89.56% | 85.57% | +3.99% | 57th above |
| Uninsured Deposit Ratio | 41.01% | 33.19% | +7.82% | 24th bottom |
| Wholesale Funding Ratio | 7.08% | — | — | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 28.64% | — | — | 95th top |
| Loan Growth (Y/Y) | 38.35% | — | — | 96th top |
| Deposit Growth (Y/Y) | 23.40% | — | — | 92nd top |
See Fidelity Bank & Trust's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Fidelity Bank & Trust, 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 Fidelity Bank & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Fidelity Bank & Trust peer analysis.