Bank Safety Analysis
Is Fidelity Digital Assets, N.A. Safe? Boston, Massachusetts
Based on its Q3 2026 call report, Fidelity Digital Assets, N.A. meets the community bank leverage ratio test for well capitalized and its Texas ratio is 0.00%.
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Short answer: is Fidelity Digital Assets, N.A. safe?
On its Q3 2026 call report, Fidelity Digital Assets, N.A.'s Community Bank Leverage Ratio is 97.84%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 97.84%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): not reported
Source: the FFIEC call report Fidelity Digital Assets, N.A. filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Fidelity Digital Assets, N.A. is outside the pass range on 1 of 4 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold.
Against a median of 11.09% for banks in the $100M-1B asset tier, Fidelity Digital Assets, N.A. reported 97.84% on leverage ratio in Q3 2026, 86.76 points higher.
Against the 2,730 banks with $100M to $1B in assets for Q3 2026, Fidelity Digital Assets, N.A.'s community bank leverage ratio of 97.84% is above the 11.09% median, Texas ratio of 0.00% is below the 2.96% median, and efficiency ratio of 230.22% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Fidelity Digital Assets, N.A.'s 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Fidelity Digital Assets, N.A. score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does Fidelity Digital Assets, N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | — | Not reported |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
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Frequently asked
Is Fidelity Digital Assets, N.A. well capitalized?
On its Q3 2026 call report, Fidelity Digital Assets, N.A.'s Community Bank Leverage Ratio is 97.84%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator applies.
What are Fidelity Digital Assets, N.A.'s key safety ratios?
For Q3 2026, Fidelity Digital Assets, N.A. reports leverage 97.84%, Texas ratio 0.00%, noncurrent loans not reported. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
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Where does this data come from?
Not investment advice. See the full Fidelity Digital Assets, N.A. profile.
How we score this
Fidelity Digital Assets, N.A. elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Fidelity Digital Assets, N.A. fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FFIEC NIC profile (RSSD 6099154)
Explore: Full Fidelity Digital Assets, N.A. profile · Other banks in MA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.