The Fidelity Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Fuquay Varina, The Fidelity Bank serves the North Carolina market as a community-focused commercial bank, in the Research Triangle banking market. Total assets stand at $4.7B. Returns are notably above industry norms: 1.71% ROA, 17.45% ROE, and 3.97% NIM. Capital cushions are healthy: 16.56% CET1, 11.47% Tier 1 leverage. Credit metrics are in line with industry norms, 0.55% NPL ratio. Its footprint covers 58 branches concentrated in North Carolina.
As of June 30, 2026, The Fidelity Bank reported a CET1 capital ratio of 16.56%, a return on assets of 1.71%, a nonperforming-loan ratio of 0.55%, a Texas ratio of 3.75%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 100 S Main St, Fuquay Varina, NC 27526
- County
- Wake
- Metro Area
- Raleigh-Cary, NC
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Former names
- The Fidelity Bank (2012); Bank of Fuquay (1970)
- Offices
- 58 domestic
- Employees (FTE)
- 579
- Domestic deposits
- $4.17B
- Allowance for credit losses
- $37.0M
- Net charge-offs (YTD)
- $873K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11507
- Fed RSSD
- 584920
- SEC CIK
- 825953 → filed by FIDELITY BANCSHARES (N.C.), INC.
- Website
- www.fidelitybanknc.com →
- Parent Holding Company
- FIDELITY BANCSHARES (N.C.), INC. (RSSD 1249002)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Fidelity Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Fidelity Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Fidelity Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into The Fidelity Bank
- Affinity Bank, National Association, effective August 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.56% | 1.71% | 0.55% | 3.75% | 3.97% |
| Q1 2026 | 16.25% | 1.67% | 0.52% | 3.64% | 3.88% |
| Q4 2025 | 15.83% | 1.78% | 0.41% | 2.64% | 3.90% |
| Q3 2025 | 15.26% | 1.78% | 0.80% | 5.52% | 3.86% |
| Q2 2025 | 14.81% | 1.62% | 0.85% | 6.29% | 3.77% |
| Q1 2025 | 14.67% | 1.53% | 0.74% | 5.77% | 3.69% |
| Q4 2024 | 14.27% | 1.56% | 1.12% | 9.04% | 3.64% |
| Q3 2024 | 13.98% | 1.64% | 1.24% | 9.48% | 3.67% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 55 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Fidelity Bank | Fuquay Varina , NC | 27526 | $226.2M |
| Cary Branch | Cary , NC | 27511 | $170.5M |
| Shelby Branch | Shelby , NC | 28150 | $165.6M |
| Burlington Branch | Burlington , NC | 27215 | $127.7M |
| Kernersville Branch | Kernersville , NC | 27284 | $126.0M |
| Rockingham Main Branch | Rockingham , NC | 28379 | $121.8M |
| Gastonia - Cox Road Branch | Gastonia , NC | 28054 | $120.2M |
| Falls of the Neuse Branch | Raleigh , NC | 27609 | $114.9M |
| Cameron Village Branch | Raleigh , NC | 27605 | $108.4M |
| North Raleigh Branch | Raleigh , NC | 27612 | $106.9M |
| Durham Branch | Durham , NC | 27707 | $106.7M |
| Liberty Branch | Liberty , NC | 27298 | $104.2M |
| Garner Branch | Garner , NC | 27529 | $101.7M |
| Biscoe Branch | Biscoe , NC | 27209 | $94.6M |
| Lillington Branch | Lillington , NC | 27546 | $94.4M |
| Wake Forest Branch | Wake Forest , NC | 27587 | $92.0M |
| Troy Branch | Troy , NC | 27371 | $90.5M |
| Stokesdale Branch | Stokesdale , NC | 27357 | $87.4M |
| Siler City Branch | Siler City , NC | 27344 | $86.8M |
| Holly Springs Branch | Holly Springs , NC | 27540 | $81.0M |
| Oxford Branch | Oxford , NC | 27565 | $80.3M |
| Winston-Salem Branch | Winston Salem , NC | 27103 | $79.5M |
| Lexington Branch | Lexington , NC | 27292 | $79.4M |
| Morrisville Branch | Morrisville , NC | 27560 | $78.8M |
| Martinsville Branch | Martinsville , VA | 24112 | $78.3M |
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 |
|---|---|---|---|
| August 1, 2026 | M&A | merger | SEC |
| August 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2026 | Structure Change | Acquired Affinity Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 1, 1996 | Structure Change | Acquired Perpetual State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 1993 | Structure Change | Acquired First American Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 1992 | Structure Change | Acquired Granville Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1970 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for The Fidelity Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in NC, rank 15 of 86 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,624 applications, 1,177 loans originated, $343.6M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Fidelity Bank
What are The Fidelity Bank's total assets?
As of the Q2 2026 filing, The Fidelity Bank reported total assets of $4.66 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Fidelity Bank headquartered?
The Fidelity Bank is headquartered in Fuquay Varina, NC, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Fidelity Bank founded?
The Fidelity Bank was established in 1909, per the FDIC institution directory.
Is The Fidelity Bank FDIC-insured?
Yes. The Fidelity Bank is an FDIC-insured commercial bank (FDIC Certificate #11507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Fidelity Bank?
The Fidelity Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Fidelity Bank's CET1 capital ratio?
The Fidelity Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.56% 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 Bank operate?
The Fidelity Bank operates 58 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 Bank's Texas Ratio?
The Fidelity Bank's Texas Ratio is 3.75% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Fidelity Bank previously called?
The charter now named The Fidelity Bank has also operated as The Fidelity Bank (2012), Bank of Fuquay (1970), per FDIC structure-change records.
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