Bank Safety Analysis
Is Fidelity Federal Savings and Loan Association of Delaware Safe? Delaware, Ohio
Based on its Q2 2026 call report, Fidelity Federal Savings and Loan Association of Delaware meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.18%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Fidelity Federal Savings and Loan Association of Delaware and never asks for online banking logins or passwords.
Short answer: is Fidelity Federal Savings and Loan Association of Delaware safe?
On its Q2 2026 call report, Fidelity Federal Savings and Loan Association of Delaware's Community Bank Leverage Ratio is 17.02%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 17.02%
- Texas ratio (Q2 2026): 0.18%
- Noncurrent loans ratio (Q2 2026): 0.04%
Fidelity Federal Savings and Loan Association of Delaware is an FDIC-insured savings institution (FDIC Certificate #29521). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Fidelity Federal Savings and Loan Association of Delaware (FDIC Certificate #29521) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Fidelity Federal Savings and Loan Association of Delaware meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions.
The largest change between Q1 2026 and Q2 2026 was in return on assets, which rose 0.14 percentage points to 0.23%. Fidelity Federal Savings and Loan Association of Delaware ranks 19th of 154 Ohio banks on leverage ratio, in the upper half at 17.02% (Q2 2026). Against a median of 10.95% for banks in the $100M-1B asset tier, Fidelity Federal Savings and Loan Association of Delaware reported 17.02% on leverage ratio in Q2 2026, 6.07 points higher. From Q3 2023 to Q2 2026, Fidelity Federal Savings and Loan Association of Delaware's CET1 ratio ranged between 31.27% (Q2 2025) and 36.39% (Q4 2023) and its Texas ratio ranged between 0.00% (Q1 2026) and 1.47% (Q3 2023). Between Q2 2025 and Q2 2026, Fidelity Federal Savings and Loan Association of Delaware's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.25% to 0.04%, Texas ratio fell from 1.04% to 0.18% and return on assets rose from -0.04% to 0.23%.
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. 1-4 family residential loans are its largest loan category, $62.0M of $80.9M in total loans on its June 30, 2026 call report. Against the 2,757 banks with $100M to $1B in assets for Q2 2026, Fidelity Federal Savings and Loan Association of Delaware's community bank leverage ratio of 17.02% is above the 10.95% median, nonperforming loans ratio of 0.04% is below the 0.41% median, Texas ratio of 0.18% is below the 2.65% median, and efficiency ratio of 89.11% is above the 61.41% 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.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. 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 does Fidelity Federal Savings and Loan Association of Delaware score on capital, credit and costs?
Peer cohort: $100M to $1B (2,660 banks) · Industry averages as of Q2 2026.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 10.95%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 0.41%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 2.65%.
Median of the 2,757 banks with $100M to $1B in assets, Q2 2026: 61.41%.
Does Fidelity Federal Savings and Loan Association of Delaware trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.18% | Within range |
| Non-performing loan ratio BankRegReports band | 0.04% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 81.69% | Within range |
| Commercial real estate to capital supervisory threshold | 58.13% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 9 quarters
| Quarter | CET1 (%) |
|---|---|
| Q4 2025 | 32.66% |
| Q2 2025 | 31.27% |
| Q1 2025 | 33.46% |
| Q4 2024 | 33.77% |
| Q3 2024 | 33.94% |
| Q2 2024 | 33.88% |
| Q1 2024 | 35.44% |
| Q4 2023 | 36.39% |
| Q3 2023 | 36.24% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.18% |
| Q1 2026 | 0.00% |
| Q4 2025 | 1.45% |
| Q3 2025 | 0.17% |
| Q2 2025 | 1.04% |
| Q1 2025 | 1.05% |
| Q4 2024 | 0.21% |
| Q3 2024 | 0.58% |
| Q2 2024 | 0.91% |
| Q1 2024 | 0.85% |
| Q4 2023 | 0.40% |
| Q3 2023 | 1.47% |
Loans by type, Q2 2026
- 1-4 family residential loans: $62.0M
- Construction and land development loans: $7.7M
- Multifamily loans: $3.2M
- Non-owner-occupied commercial real estate loans: $2.5M
- Commercial and industrial loans: $2.3M
- Other consumer loans: $432K
- Auto loans: $223K
How have Fidelity Federal Savings and Loan Association of Delaware's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $131.6M | 17.02% | 0.04% | 0.18% | 89.11% |
| Mar 31, 2026 | $131.4M | 17.10% | 0.00% | 0.00% | 95.19% |
| Dec 31, 2025 | $131.0M | 16.99% | 0.36% | 1.45% | 93.00% |
| Sep 30, 2025 | $132.5M | 17.16% | 0.04% | 0.17% | 106.05% |
| Jun 30, 2025 | $130.2M | 17.23% | 0.25% | 1.04% | 102.51% |
| Mar 31, 2025 | $129.2M | 17.33% | 0.26% | 1.05% | 103.53% |
| Dec 31, 2024 | $128.7M | 17.44% | 0.05% | 0.21% | 102.17% |
| Sep 30, 2024 | $128.9M | 17.58% | 0.15% | 0.58% | 100.20% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Fidelity Federal Savings and Loan Association of Delaware FDIC insured?
Yes. Fidelity Federal Savings and Loan Association of Delaware is an FDIC-insured savings institution (FDIC Certificate #29521). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Fidelity Federal Savings and Loan Association of Delaware well capitalized?
On its Q2 2026 call report, Fidelity Federal Savings and Loan Association of Delaware's Community Bank Leverage Ratio is 17.02%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Fidelity Federal Savings and Loan Association of Delaware's key safety ratios?
For Q2 2026, Fidelity Federal Savings and Loan Association of Delaware reports leverage 17.02%, Texas ratio 0.18%, noncurrent loans 0.04%. Its Texas ratio compares with the 2.65% median for the 2,757 banks with $100M to $1B in assets.
What happens to my deposits if Fidelity Federal Savings and Loan Association of Delaware fails?
For Q2 2026, Fidelity Federal Savings and Loan Association of Delaware reported $99.0M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
Add this badge to your website
Free to use. It shows Fidelity Federal Savings and Loan Association of Delaware’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full Fidelity Federal Savings and Loan Association of Delaware profile.
How we score this
Fidelity Federal Savings and Loan Association of Delaware 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.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 9.0% (CBLR elected); 8.0% from July 1, 2026, fail ≤ 8.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.