The Fidelity State Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
The Fidelity State Bank and Trust Company is an FDIC-insured commercial bank headquartered in Dodge City, KS, established in 1933 (FDIC certificate 10920), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $194.8M, down 0.9% from Q2 2025, the 97th largest of 182 banks headquartered in Kansas.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 10920
- Headquarters
- Dodge City, KS
- Established
- 1933
- Total assets, Q2 2026
- $194.8M
- Assets vs Q2 2025
- -0.9%
- Capital ratio
- Not reported
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101101730
- Latest call report
- Q2 2026, FFIEC 041 · The Fidelity State Bank and Trust Company call report
- Holding company
- FIDELITY BANC CORPORATION, DODGE CITY, KANSAS
- Asset rank in state
- 97th of 182 in Kansas
The Fidelity State Bank and Trust Company runs leaner than most banks of its size. The Dodge City, Kansas bank had $195 million in assets at June 30, 2026. It spends about 44 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 61 cents). It also pays an average of 0.88% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.31% of loans, against 0.01% a year earlier. Net income for the quarter slipped 12% from a year earlier, to $924,000. Profitability lags: it returns 8.1% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, The Fidelity State Bank and Trust Company reported a CET1 capital ratio of 153.07%, a return on assets of 1.88%, a nonperforming-loan ratio of 0.31% and a Texas ratio of 0.14%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Fidelity State Bank and Trust Company is the 97th largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets fell 2.4% to $194.8M, loans rose 1.3% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 47.6% of total loans, ahead of agricultural production loans at 31.1%. Its 3 offices in the FDIC Summary of Deposits are in Dodge City, KS. Judged on its Q2 2026 call report, The Fidelity State Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 510 N 2nd Ave, Dodge City, KS 67801
- County
- Ford
- Metro Area
- Dodge City, KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 2, 1933
- Former names
- The Fidelity State Bank and Trust Company (1977)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $147.2M
- Allowance for credit losses
- $619K
- Net charge-offs (YTD)
- $0
- Average total assets
- $196.7M
- Average total loans
- $20.4M
- Average interest-bearing deposits
- $95.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10920
- Fed RSSD
- 638850
- Website
- www.fidelitybankdc.com →
- Parent Holding Company
- FIDELITY BANC CORPORATION, DODGE CITY, KANSAS (RSSD 1060234)
Profitability
Q2 annualizedCapital & 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Fidelity State Bank and Trust Company's total assets ranged from $187.0M (Q3 2024) to $211.8M (Q3 2025), 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
$194.8M total assets against $196.5M; $148.9M total liabilities against $153.1M.
$19.9M net loans and leases against $20.4M; $147.2M total deposits against $151.5M.
$87.6M securities against $82.1M; $80.2M cash and balances due against $87.5M.
$2.2M total interest income against $2.1M; $329K total interest expense against $300K.
$1.8M net interest income against $1.8M.
$319K total noninterest income against $287K; $943K total noninterest expense against $883K.
-$9K provision for credit losses against -$29K.
$924K net income against $1.1M.
1.88% return on assets against 2.16%; 3.82% net interest margin against 3.89%.
153.07% CET1 capital ratio against 140.64%; 23.58% tier 1 leverage ratio against 22.48%.
Inside the full The Fidelity State Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Fidelity State Bank and Trust Company rankings
Its closest position to the top of a national ranking is 370 of 3,606, for efficiency ratio; its furthest is 3,202 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.76% (Q4 2024) to 2.40% (Q1 2026) and its net interest margin ran from 3.21% (Q4 2024) to 3.89% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 153.07% | 1.88% | 0.31% | 0.14% | 3.82% |
| Q1 2026 | 152.49% | 2.40% | 0.22% | 0.10% | 3.45% |
| Q4 2025 | 144.72% | 1.07% | 0.21% | 0.10% | 3.50% |
| Q3 2025 | 146.35% | 1.75% | 0.43% | 0.21% | 3.61% |
| Q2 2025 | 140.64% | 2.16% | 0.01% | 0.01% | 3.89% |
| Q1 2025 | 139.03% | 1.80% | 0.12% | 0.06% | 3.41% |
| Q4 2024 | 127.20% | 0.76% | 0.32% | 0.17% | 3.21% |
| Q3 2024 | 134.36% | 1.61% | 0.39% | 0.19% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The Fidelity State Bank and Trust Company | Dodge City , KS | 67801 | $62.9M |
| Central Facility | Dodge City , KS | 67801 | $47.0M |
| Drive-In-Walk-Up Branch | Dodge City , KS | 67801 | $37.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in KS, rank 128 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $218K approved, $109K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The Fidelity State Bank and Trust Company
What are The Fidelity State Bank and Trust Company's total assets?
As of the Q2 2026 filing, The Fidelity State Bank and Trust Company reported total assets of $194.8 million in its FFIEC call report.
Where is The Fidelity State Bank and Trust Company headquartered?
It is headquartered in Dodge City, KS, United States.
When was The Fidelity State Bank and Trust Company founded?
It was established in 1933, per the FDIC institution directory.
Is The Fidelity State Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10920). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Fidelity State Bank and Trust Company?
The Fidelity State Bank and Trust Company's primary federal regulator is the Federal Reserve.
What is The Fidelity State Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 153.07% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Fidelity State Bank and Trust Company operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Fidelity State Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.14% 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.
What was The Fidelity State Bank and Trust Company previously called?
The charter now named The Fidelity State Bank and Trust Company has also operated as The Fidelity State Bank and Trust Company (1977), per FDIC structure-change records.
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