Fidelity Federal Savings and Loan Association of Delaware
Fidelity Federal Savings and Loan Association of Delaware is an FDIC-insured savings institution headquartered in Delaware, OH, supervised by the OCC, with $131.6M in total assets at Q2 2026, up 1.1% from Q2 2025, the 116th largest of 154 banks headquartered in Ohio. It was established in 1887 and holds FDIC certificate 29521. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.02% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29521
- Headquarters
- Delaware, OH
- Established
- 1887
- Total assets, Q2 2026
- $131.6M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 17.02%
- Domestic offices
- 2 · Fidelity Federal Savings and Loan Association of Delaware branches FDIC institution directory, current count
- Routing number
- 244170880
- Safety and soundness
- Is Fidelity Federal Savings and Loan Association of Delaware safe?
- Latest call report
- Q2 2026, FFIEC 051 · Fidelity Federal Savings and Loan Association of Delaware Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- FIDELITY FEDERAL FINANCIAL CORPORATION
- Asset rank in state
- 116th of 154 in Ohio
Fidelity Federal Savings and Loan Association of Delaware spends more to run itself than most banks of its size. It reported $132 million in assets at June 30, 2026, up 1.1% from a year earlier. It earns about $0.23 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Unrealized losses on its securities total $4.7 million, equal to 21% of Tier 1 capital, against 25% a year earlier. Its margin is thin by comparison: it keeps 2.58 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
As of June 30, 2026, Fidelity Federal Savings and Loan Association of Delaware reported a return on assets of 0.23%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fidelity Federal Savings and Loan Association of Delaware is the 116th largest of the 154 banks headquartered in Ohio. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $131.6M, loans rose 4.3% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 76.7% of total loans, followed by construction and land development loans at 9.5%. The FDIC Summary of Deposits lists 2 offices for it, in Delaware, OH. On its Q2 2026 call report, Fidelity Federal Savings and Loan Association of Delaware meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 60 N Sandusky St, Delaware, OH 43015
- County
- Delaware
- Metro Area
- Columbus, OH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1887
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $99.0M
- Allowance for credit losses
- $669K
- Net charge-offs (YTD)
- $0
- Average total assets
- $131.3M
- Average total loans
- $77.6M
- Average interest-bearing deposits
- $73.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29521
- Fed RSSD
- 446176
- Website
- www.fidfedsl.com →
- Parent Holding Company
- FIDELITY FEDERAL FINANCIAL CORPORATION (RSSD 4252991)
- Ultimate Parent
- FIDELITY FEDERAL SAVINGS & LOAN ASSOCIATION, MHC (RSSD 4253000)
Profitability
Q2 annualizedBalance 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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Fidelity Federal Savings and Loan Association of Delaware reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Fidelity Federal Savings and Loan Association of Delaware's total assets ranged from $124.9M (Q3 2023) to $132.5M (Q3 2025), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$131.6M total assets against $130.2M; $112.9M total liabilities against $112.4M.
$80.2M net loans and leases against $77.0M; $99.0M total deposits against $95.7M.
$40.2M securities against $42.6M; $6.3M cash and balances due against $5.3M.
$1.4M total interest income against $1.3M; $559K total interest expense against $555K.
$855K net interest income against $784K.
$41K total noninterest income against $44K; $802K total noninterest expense against $854K.
$3K provision for credit losses against $0.
$76K net income against -$13K.
0.23% return on assets against -0.04%; 2.58% net interest margin against 2.40%.
17.02% tier 1 leverage ratio against 17.23%.
Inside the full Fidelity Federal Savings and Loan Association of Delaware terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFidelity Federal Savings and Loan Association of Delaware rankings
Its closest position to the top of a national ranking is 3,439 of 4,196, for total assets; its furthest is 3,463 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.10% (Q3 2025) to 0.23% (Q2 2026) and its net interest margin ran from 2.28% (Q1 2025) to 2.58% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.02% | 0.23% | 0.04% | 0.18% | 2.58% |
| Q1 2026 | 17.10% | 0.09% | 0.00% | 0.00% | 2.47% |
| Q4 2025 | 16.99% | 0.10% | 0.36% | 1.45% | 2.50% |
| Q3 2025 | 17.16% | -0.10% | 0.04% | 0.17% | 2.45% |
| Q2 2025 | 17.23% | -0.04% | 0.25% | 1.04% | 2.40% |
| Q1 2025 | 17.33% | -0.09% | 0.26% | 1.05% | 2.28% |
| Q4 2024 | 17.44% | -0.06% | 0.05% | 0.21% | 2.39% |
| Q3 2024 | 17.58% | 0.01% | 0.15% | 0.58% | 2.40% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Fidelity Federal Savings and Loan Association of Delaware (main office) | Delaware , OH | 43015 | $50.9M |
| Route 37 West Branch | Delaware , OH | 43015 | $48.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 140 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 55 applications, 39 loans originated, $10.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 Federal Savings and Loan Association of Delaware
What are Fidelity Federal Savings and Loan Association of Delaware's total assets?
As of the Q2 2026 filing, Fidelity Federal Savings and Loan Association of Delaware reported total assets of $131.6 million in its FFIEC call report.
Where is Fidelity Federal Savings and Loan Association of Delaware headquartered?
It is headquartered in Delaware, OH, United States.
When was Fidelity Federal Savings and Loan Association of Delaware founded?
It was established in 1887, per the FDIC institution directory.
Is Fidelity Federal Savings and Loan Association of Delaware FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29521). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fidelity Federal Savings and Loan Association of Delaware?
Fidelity Federal Savings and Loan Association of Delaware's primary federal regulator is the OCC.
How many branches does Fidelity Federal Savings and Loan Association of Delaware operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fidelity Federal Savings and Loan Association of Delaware's Texas Ratio?
Its Texas Ratio is 0.18% 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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