The Fidelity State Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Fidelity State Bank and Trust Company of Dodge City, KS against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.88% | 1.34% | +0.54% | 81st top |
| ROAE | 8.10% | 13.32% | -5.22% | 26th below |
| Net Interest Margin | 3.82% | 3.93% | -0.11% | 43rd below |
| Efficiency Ratio | 43.76% | 61.13% | -17.37% | 91st top |
| PPNR / Avg Assets | 2.44% | 1.68% | +0.76% | 88th top |
| Yield on Earning Assets | 4.51% | 5.67% | -1.16% | 9th bottom |
| Cost of Funds | 0.88% | 1.88% | -1.00% | 94th top |
| Net Interest Spread | 3.13% | 3.32% | -0.19% | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 3.02% | 1.28% | +1.74% | 98th top |
| Texas Ratio | 0.14% | 7.34% | -7.20% | 87th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 153.07% | 19.44% | +133.63% | 99th top |
| Tier 1 Ratio | 153.07% | 19.47% | +133.60% | 99th top |
| Total Capital Ratio | 154.34% | 20.56% | +133.78% | 99th top |
| Leverage Ratio | 23.58% | 12.14% | +11.44% | 97th top |
| Equity / Assets | 23.56% | 11.36% | +12.20% | 97th top |
| TCE / Tangible Assets | 23.56% | 11.08% | +12.48% | 98th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 13.94% | 80.67% | -66.73% | 99th top |
| Core Deposit Ratio | 98.14% | 86.85% | +11.29% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.89% | 6.84% | -7.73% | 15th bottom |
| Loan Growth (Y/Y) | -2.79% | 7.92% | -10.71% | 12th bottom |
| Deposit Growth (Y/Y) | -2.84% | 6.29% | -9.13% | 11th bottom |
See The Fidelity State Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Fidelity State Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Fidelity State Bank and Trust Company profile, how to read a UBPR, or how this data updates.