Fidelity Bank (Wichita, KS)
Fidelity Bank (Wichita, KS) reported total assets of $3.3 bn at Q2 2026, up 1.1% on a year earlier, the 384th largest of 497 banks in our US coverage. The CET1 capital ratio at Fidelity Bank (Wichita, KS) was 10.97%, and the uninsured share of Fidelity Bank (Wichita, KS) was 38.79%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Fidelity Bank (Wichita, KS) slipped from 141st to 295th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Fidelity Bank (Wichita, KS) reports one of the lowest net charge-offs to average loans readings among banks of $1 bn to $10 bn: -0.07% at , where the median of the 339 banks is 0.06% (FDIC Call Reports).
- The common equity tier 1 (CET1) ratio of Fidelity Bank (Wichita, KS), 10.97% at , places Fidelity Bank (Wichita, KS) in the bottom tenth of banks of $1 bn to $10 bn (group median 13.22%; FDIC Call Reports).
What sets Fidelity Bank (Wichita, KS) apart
- Since , Fidelity Bank (Wichita, KS) has taken over one institution; the latest was Yorktown Bank on .
How large is Fidelity Bank (Wichita, KS)?
The balance sheet of Fidelity Bank (Wichita, KS) at : assets $3.3 bn, deposits $2.6 bn, net loans $2.6 bn (loans equal to 99.12% of deposits). Securities make up 9.4% of total assets at Fidelity Bank (Wichita, KS). Since , when Fidelity Bank (Wichita, KS) held $1.9 bn, its assets grew 76.8%. In the year to , deposits at Fidelity Bank (Wichita, KS) fell 3.5% while its total assets rose 1.1%. At , Fidelity Bank (Wichita, KS) employed 397 full-time equivalent staff across 16 offices, about $8.3 mn of assets per employee and $161.6 mn of deposits per office.
How much funding at Fidelity Bank (Wichita, KS) is uninsured?
At Fidelity Bank (Wichita, KS), uninsured deposits (above the FDIC limit) made up 38.79% of domestic deposits at (+3.21 pp on a year earlier); Fidelity Bank (Wichita, KS) ranks 206th of 500 on this measure. In dollars, Fidelity Bank (Wichita, KS) estimated $1.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.6 bn | -3.5% | 406th of 499 |
| Net loans and leases | $2.6 bn | +2.1% | 357th of 500 |
| Loan-to-deposit ratio | 99.12% | +5.46 pp | 68th of 500 |
| Tier 1 leverage ratio | 9.99% | +0.12 pp | 297th of 500 |
| Total risk-based capital ratio | 12.16% | +0.15 pp | 403rd of 448 |
| Net interest margin | 3.99% | +0.35 pp | 142nd of 500 |
| Return on assets (ROA) | 1.16% | +0.22 pp | 326th of 500 |
| Efficiency ratio | 63.73% | -3.79 pp | 379th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $173,000 | Narrowed by $683,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.8 mn | Narrowed by $959,000 | |
| Noncurrent loans to total loans | 0.75% | +0.43 pp | 295th of 500 (1 = lowest) |
| Net charge-offs to average loans | -0.07% | -0.11 pp | 7th of 500 (1 = lowest) |
US rank of Fidelity Bank (Wichita, KS): 1 = highest unless marked 1 = lowest.
Balance sheet
Fidelity Bank (Wichita, KS): assets, deposits and loans
- Total assets $3.3bn
- Deposits $2.6bn
- Net loans $2.6bn
Capital and securities
The CET1 ratio of Fidelity Bank (Wichita, KS) stood at 10.97% in , +0.11 pp year on year. Low and high at Fidelity Bank (Wichita, KS) since : 10.43% () to 12.86% (). Equity capital of Fidelity Bank (Wichita, KS) at : $324.2 mn, or 9.8% of total assets. Fidelity Bank (Wichita, KS) also reported a total capital ratio of 12.16% for , and a tier 1 leverage ratio of 9.99%.
On held-to-maturity securities, Fidelity Bank (Wichita, KS) carried an unrealized loss of $173,000 at , equal to 0.1% of equity capital. The loss narrowed by $683,000 over the year. Its deepest point: $2.6 mn in . The available-for-sale portfolio of Fidelity Bank (Wichita, KS) showed an unrealized loss of $9.8 mn at ; the loss narrowed by $959,000 over the year.
Fidelity Bank (Wichita, KS): capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 10.0%
Fidelity Bank (Wichita, KS): unrealized securities gains and losses
- Available for sale -$10mn
- Held to maturity -$173,000
Profitability and loan quality
For the year to , Fidelity Bank (Wichita, KS) earned a return on equity of 11.90%; return on assets: 1.16%. Net interest margin at Fidelity Bank (Wichita, KS): 3.99%, +0.35 pp in a year. Fidelity Bank (Wichita, KS) net income: $19.3 mn, up 28.0% year on year. The efficiency ratio of Fidelity Bank (Wichita, KS) was 63.73%: about 64 cents cost per revenue dollar, against 60 cents at the median peer.
At , noncurrent loans were 0.75% of total loans at Fidelity Bank (Wichita, KS); net charge-offs: -0.07% of average loans. Gross loans and leases at Fidelity Bank (Wichita, KS): $2.6 bn, up 2.2% in a year.
Fidelity Bank (Wichita, KS): profitability
- Return on equity 12%
- Net interest margin 4.0%
- Return on assets 1.2%
Peer group of Fidelity Bank (Wichita, KS)
The peer group of Fidelity Bank (Wichita, KS) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Fidelity Bank (Wichita, KS) (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Kansas. Against them, Fidelity Bank (Wichita, KS) shows CET1 ratio 10.97% against a peer median of 14.30%, return on equity 11.90% against a peer median of 13.72% and uninsured deposit share 38.79% against a peer median of 23.47%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| BankFirst Financial Services | State member bank | MS | $3.3 bn | not reported | 8.41% | 24.27% | |
| ACNB Bank | State nonmember bank | PA | $3.3 bn | 14.30% | 14.53% | 22.40% | |
| Union Savings Bank | State-chartered stock savings bank | CT | $3.3 bn | not reported | 8.38% | 22.67% | |
| Fidelity Bank | National bank | KS | $3.3 bn | 10.97% | 11.90% | 38.79% | |
| Oakstar Bank | State member bank | MO | $3.3 bn | not reported | 14.62% | 18.52% | |
| Lone Star National Bank | National bank | TX | $3.3 bn | 20.01% | 12.92% | 58.85% | |
| WestStar Bank | State member bank | TX | $3.3 bn | 13.13% | 19.53% | 61.03% | |
. FDIC Call Reports.
Last eight quarters
Two years at Fidelity Bank (Wichita, KS), to : assets +4.3%, deposits +5.5%, equity +7.3%. Staff 441 to 397; offices 17 to 16.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.2 bn | $3.2 bn | $3.2 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn | $3.3 bn |
| Total deposits | $2.5 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.5 bn | $2.6 bn | $2.7 bn | $2.6 bn |
| Bank equity capital | $302.1 mn | $302.8 mn | $309.1 mn | $314.4 mn | $317.6 mn | $323.5 mn | $324.5 mn | $324.2 mn |
| CET1 ratio | 10.83% | 10.97% | 10.87% | 10.86% | 10.66% | 10.78% | 10.91% | 10.97% |
| Return on equity (ROE) | 5.07% | 6.12% | 9.39% | 9.75% | 9.54% | 10.30% | 10.89% | 11.90% |
| Uninsured share of domestic deposits | 32.59% | 30.92% | 36.04% | 35.58% | 30.56% | 32.40% | 35.84% | 38.79% |
| Full-time equivalent employees | 441 | 437 | 404 | 404 | 404 | 406 | 403 | 397 |
| Number of offices | 17 | 17 | 17 | 17 | 17 | 16 | 16 | 16 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Fidelity Bank (Wichita, KS), oldest first; figures before and after each event are not like for like.
- . Absorbed Yorktown Bank (FDIC certificate 24342).
Questions and identifiers
What were the total assets of Fidelity Bank (Wichita, KS)?
Fidelity Bank (Wichita, KS) reported $3.3 bn at in its Call Report. That makes Fidelity Bank (Wichita, KS) the 384th largest of 497 banks in our US coverage.
Is Fidelity Bank (Wichita, KS) the same as its holding company?
No. This page covers Fidelity Bank (Wichita, KS), FDIC certificate 30895; FIDELITY FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Fidelity Bank (Wichita, KS) profitable?
Fidelity Bank (Wichita, KS) reported net income of $19.3 mn for the year to ; annualized return on equity: 11.90%. So yes: Fidelity Bank (Wichita, KS) made a profit over these months.
When is data for Fidelity Bank (Wichita, KS) next updated?
Figures from Fidelity Bank (Wichita, KS) for are due after .
Where can I check the figures for Fidelity Bank (Wichita, KS)?
In the FDIC BankFind Suite record for certificate 30895, and in the Call Reports of Fidelity Bank (Wichita, KS) (RSSD ID 762474) at the FFIEC Central Data Repository.