The Fidelity State Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Securities to assets climbed 1.49 percentage points in Q2 2026, from 43.48% to 44.97%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Fidelity State Bank and Trust Company is 35th of 182 on return on assets, 1.88% as of Q2 2026, above the middle of the field. The Fidelity State Bank and Trust Company's return on assets of 1.88% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.63 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 153.07% |
| Tier 1 risk-based capital ratio | 153.07% |
| Total risk-based capital ratio | 154.34% |
| Tier 1 leverage ratio | 23.58% |
| Equity capital to assets | 23.56% |
| Tangible equity to tangible assets | 23.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.14% |
| Allowance for credit losses to loans | 3.02% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.88% |
| Return on equity | 8.10% |
| Net interest margin | 3.82% |
| Efficiency ratio | 43.76% |
| Yield on earning assets | 4.51% |
| Cost of funds | 0.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 13.94% |
| Core deposits to total deposits | 98.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.55% |
| Securities to assets | 44.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 115.81% | 115.81% | 117.08% | 19.86% | 1.60% |
| Q4 2023 | 116.94% | 116.94% | 118.21% | 20.22% | 0.81% |
| Q1 2024 | 122.24% | 122.24% | 123.50% | 20.49% | 2.36% |
| Q2 2024 | 128.61% | 128.61% | 129.88% | 21.01% | 1.51% |
| Q3 2024 | 134.36% | 134.36% | 135.62% | 21.94% | 1.61% |
| Q4 2024 | 127.20% | 127.20% | 128.47% | 21.23% | 0.76% |
| Q1 2025 | 139.03% | 139.03% | 140.30% | 21.69% | 1.80% |
| Q2 2025 | 140.64% | 140.64% | 141.91% | 22.48% | 2.16% |
| Q3 2025 | 146.35% | 146.35% | 147.62% | 22.14% | 1.75% |
| Q4 2025 | 144.72% | 144.72% | 145.99% | 21.68% | 1.07% |
| Q1 2026 | 152.49% | 152.49% | 153.75% | 21.99% | 2.40% |
| Q2 2026 | 153.07% | 153.07% | 154.34% | 23.58% | 1.88% |
The Fidelity State Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fidelity State Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 The Fidelity State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10920) · FFIEC NIC profile (RSSD 638850)