Fidelity Personal Trust Company, F.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Fidelity Personal Trust Company, F.S.B. is an FDIC-insured savings institution headquartered in Boston, MA, established in 2000 (FDIC certificate 35206), and it is supervised by the OCC. At Q2 2026 it reported total assets of $74.6M, up 2.8% from Q2 2025, the 89th largest of 89 banks headquartered in Massachusetts.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35206
- Headquarters
- Boston, MA
- Established
- 2000
- Total assets, Q2 2026
- $74.6M
- Assets vs Q2 2025
- +2.8%
- Capital ratio
- Not reported
- Domestic offices
- 2 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051 · Fidelity Personal Trust Company, F.S.B. call report
- Asset rank in state
- 89th of 89 in Massachusetts
Fidelity Personal Trust Company, F.S.B. is one of the more profitable banks of its size. Its balance sheet stood at $75 million at June 30, 2026, up 2.8% from a year earlier; it is based in Boston, Massachusetts. It returns 35.3% a year on shareholders' equity, 4.1 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also spends about 34 cents to bring in each dollar of revenue, about half the median of 69 cents for banks its size.
Net income for the quarter rose 24% from a year earlier, to $6.1 million. Funding is the softer spot: it pays an average of 4.80% on its deposits and borrowings, about triple the median of 1.53% for banks its size.
As of June 30, 2026, Fidelity Personal Trust Company, F.S.B. reported a return on assets of 34.34% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fidelity Personal Trust Company, F.S.B. is the smallest of the 89 banks headquartered in Massachusetts. Between Q1 2026 and Q2 2026, its total assets rose 10.0% to $74.6M, deposits were flat. Its 2 offices in the FDIC Summary of Deposits are in Merrimack, NH and Greenville, DE; its Merrimack office books 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, Fidelity Personal Trust Company, F.S.B. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 Contra Way, Boston, MA 03054
- County
- Hillsborough
- Metro Area
- Manchester-Nashua, NH
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 15, 2000
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 54
- Domestic deposits
- $500K
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $71.2M
- Average total loans
- $0
- Average interest-bearing deposits
- $500K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 15, 2000
- FDIC Cert
- 35206
- Fed RSSD
- 2914268
- Website
- www.fidelity.com →
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance 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. 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 Personal Trust Company, F.S.B. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Fidelity Personal Trust Company, F.S.B.'s total assets moved between a low of $63.3M (Q4 2024) and a high of $90.5M (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$74.6M total assets against $72.6M; $2.3M total liabilities against $2.5M.
$0 net loans and leases against $0; $500K total deposits against $500K.
$66.6M securities against $64.9M; $94K cash and balances due against $94K.
$610K total interest income against $642K; $6K total interest expense against $5K.
$604K net interest income against $637K.
$12.2M total noninterest income against $10.3M; $4.4M total noninterest expense against $4.4M.
No provision recorded in the last 12 quarters.
$6.1M net income against $4.9M.
34.34% return on assets against 28.38%; 3.88% net interest margin against 4.16%.
101.53% tier 1 leverage ratio against 100.76%.
Inside the full Fidelity Personal Trust Company, F.S.B. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 12.55% (Q4 2024) to 34.34% (Q2 2026) and its net interest margin ran from 3.88% (Q2 2026) to 5.13% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 101.53% | 34.34% | — | 0.00% | 3.88% |
| Q1 2026 | 100.30% | 32.58% | — | 0.00% | 3.89% |
| Q4 2025 | 79.86% | 22.21% | — | 0.00% | 5.06% |
| Q3 2025 | 100.66% | 29.10% | — | 0.00% | 4.14% |
| Q2 2025 | 100.76% | 28.38% | — | 0.00% | 4.16% |
| Q1 2025 | 100.34% | 28.97% | — | 0.00% | 4.27% |
| Q4 2024 | 71.82% | 12.55% | — | 0.00% | 5.13% |
| Q3 2024 | 100.58% | 26.69% | — | 0.00% | 4.83% |
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 Personal Trust Company, Fsb | Merrimack , NH | 03054 | $500K |
| Fptc Delaware Office Branch | Greenville , DE | 19807 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2001 | Structure Change | Acquired Fidelity Management Trust Company of California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), 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 Personal Trust Company, F.S.B.
What are Fidelity Personal Trust Company, F.S.B.'s total assets?
As of the Q2 2026 filing, Fidelity Personal Trust Company, F.S.B. reported total assets of $74.6 million in its FFIEC call report.
Where is Fidelity Personal Trust Company, F.S.B. headquartered?
It is headquartered in Boston, MA, United States.
When was Fidelity Personal Trust Company, F.S.B. founded?
It was established in 2000, per the FDIC institution directory.
Is Fidelity Personal Trust Company, F.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #35206). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fidelity Personal Trust Company, F.S.B.?
Fidelity Personal Trust Company, F.S.B.'s primary federal regulator is the OCC.
How many branches does Fidelity Personal Trust Company, F.S.B. 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 Personal Trust Company, F.S.B.'s Texas Ratio?
Its Texas Ratio is 0.00% 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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