Fidelity Federal Savings and Loan Association of Delaware: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 14.25 percentage points in Q2 2026, from 43.88% to 58.13%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Fidelity Federal Savings and Loan Association of Delaware is 78th of 156 on loan-to-deposit ratio, 81.69% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Fidelity Federal Savings and Loan Association of Delaware reported 81.69% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $80.9M |
| Net loans and leases | $80.2M |
| Loans held for sale | $0 |
| Loans to total assets | 61.49% |
| Loan-to-deposit ratio | 81.69% |
| Net loans to equity capital | 4.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.04% |
| Multifamily (5+ residential) | 4.01% |
| Commercial and industrial | 2.80% |
| Consumer | 0.81% |
| Credit cards | 0.00% |
| Farm | 3.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.13% |
| Construction concentration (Tier 1 capital + allowance) | 33.35% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.66% |
| Interest income on loans | $1.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $64.4M | $101.0M | 5.26% | 0.00% | 6.05% |
| Q4 2023 | $66.1M | $97.2M | 5.07% | 0.00% | 6.00% |
| Q1 2024 | $67.9M | $94.9M | 4.80% | 0.00% | 5.74% |
| Q2 2024 | $70.4M | $93.9M | 4.52% | 0.00% | 5.20% |
| Q3 2024 | $72.3M | $93.7M | 4.20% | 0.00% | 4.91% |
| Q4 2024 | $73.7M | $94.6M | 3.39% | 0.00% | 5.22% |
| Q1 2025 | $75.1M | $96.8M | 3.27% | 0.00% | 4.39% |
| Q2 2025 | $77.6M | $95.7M | 6.59% | 0.00% | 1.10% |
| Q3 2025 | $78.5M | $98.9M | 6.71% | 0.00% | 0.96% |
| Q4 2025 | $78.5M | $97.5M | 6.49% | 0.00% | 0.83% |
| Q1 2026 | $77.6M | $98.9M | 3.08% | 3.22% | 0.82% |
| Q2 2026 | $80.9M | $99.0M | 3.04% | 2.80% | 0.81% |
Fidelity Federal Savings and Loan Association of Delaware loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity Federal Savings and Loan Association of Delaware, freeSource: Call Report Schedule RC-C, 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 Federal Savings and Loan Association of Delaware profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29521) · FFIEC NIC profile (RSSD 446176)