Fidelity Bank & Trust: 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.
Non-performing loans to loans climbed 1.05 percentage points in Q2 2026, from 0.09% to 1.14%. It was the largest change from Q1 2026 among the key lines here. Fidelity Bank & Trust ranks 131st of 225 Iowa banks on return on assets, in the lower half at 1.28% (Q2 2026). At 1.28%, Fidelity Bank & Trust's return on assets is close to the 1.27% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.67% |
| Tier 1 risk-based capital ratio | 10.67% |
| Total risk-based capital ratio | 11.72% |
| Tier 1 leverage ratio | 8.98% |
| Equity capital to assets | 10.31% |
| Tangible equity to tangible assets | 8.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.14% |
| Non-performing assets ratio | 1.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 14.24% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 94.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 12.58% |
| Net interest margin | 3.52% |
| Efficiency ratio | 51.23% |
| Yield on earning assets | 5.42% |
| Cost of funds | 2.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.54% |
| Core deposits to total deposits | 89.56% |
| Brokered deposits to total deposits | 0.34% |
| Deposits to assets | 81.89% |
| Securities to assets | 18.23% |
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 | 11.48% | 11.48% | 12.73% | 9.25% | 0.71% |
| Q4 2023 | 11.24% | 11.24% | 12.49% | 9.20% | 1.10% |
| Q1 2024 | 11.08% | 11.08% | 12.31% | 9.08% | 0.71% |
| Q2 2024 | 11.43% | 11.43% | 12.69% | 9.22% | 0.30% |
| Q3 2024 | 11.53% | 11.53% | 12.78% | 9.46% | 0.75% |
| Q4 2024 | 11.46% | 11.46% | 12.71% | 9.35% | 0.90% |
| Q1 2025 | 11.54% | 11.54% | 12.79% | 9.42% | 0.88% |
| Q2 2025 | 11.58% | 11.58% | 12.83% | 9.43% | 1.02% |
| Q3 2025 | 11.64% | 11.64% | 12.89% | 9.37% | 0.99% |
| Q4 2025 | 10.56% | 10.56% | 11.57% | 9.42% | 1.30% |
| Q1 2026 | 10.53% | 10.53% | 11.58% | 8.90% | 1.31% |
| Q2 2026 | 10.67% | 10.67% | 11.72% | 8.98% | 1.28% |
Fidelity Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Bank & Trust, 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 Fidelity Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14382) · FFIEC NIC profile (RSSD 939249)