Fidelity Bank & Trust

What sets Fidelity Bank & Trust apart

• Over the year to Q2 2026, the net interest margin of Fidelity Bank & Trust rose by 0.61 pp to 3.64%, a bigger rise than at 95% of covered banks.

How large is Fidelity Bank & Trust?

The balance sheet of Fidelity Bank & Trust at Q2 2026: assets $2.6 bn, deposits $2.1 bn, net loans $1.9 bn (loans equal to 88.57% of deposits). Securities make up 18.2% of total assets at Fidelity Bank & Trust. Since Q1 2016, when Fidelity Bank & Trust held $762.3 mn, its assets grew 241.5%. In the year to Q2 2026, deposits at Fidelity Bank & Trust rose 23.4% while its total assets rose 28.6%. At Q2 2026, Fidelity Bank & Trust employed 291 full-time equivalent staff across 36 offices, about $8.9 mn of assets per employee and $59.2 mn of deposits per office.

How much funding at Fidelity Bank & Trust is uninsured?

At Fidelity Bank & Trust, uninsured deposits (above the FDIC limit) made up 41.01% of domestic deposits at Q2 2026 (+0.73 pp on a year earlier); Fidelity Bank & Trust ranks 174th of 500 on this measure. In dollars, Fidelity Bank & Trust estimated $874.4 mn of uninsured deposits.

Key facts, Q2 2026

US rank of Fidelity Bank & Trust: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Fidelity Bank & Trust stood at 10.67% in Q2 2026, -0.91 pp year on year. Low and high at Fidelity Bank & Trust since Q1 2016: 10.24% (Q2 2019) to 13.20% (Q3 2021). Equity capital of Fidelity Bank & Trust at Q2 2026: $268.4 mn, or 10.3% of total assets. Fidelity Bank & Trust also reported a total capital ratio of 11.72% for Q2 2026, and a tier 1 leverage ratio of 8.98%.

On held-to-maturity securities, Fidelity Bank & Trust carried an unrealized loss of $629,000 at Q2 2026, equal to 0.2% of equity capital. The loss narrowed by $644,000 over the year. Its deepest point: $2.8 mn in Q3 2023. The available-for-sale portfolio of Fidelity Bank & Trust showed an unrealized loss of $21.0 mn at Q2 2026; the loss narrowed by $8.5 mn over the year.

For the year to Q2 2026, Fidelity Bank & Trust earned a return on equity of 12.72%; return on assets: 1.30%. Net interest margin at Fidelity Bank & Trust: 3.64%, +0.61 pp in a year. Fidelity Bank & Trust net income: $16.7 mn, up 73.7% year on year. The efficiency ratio of Fidelity Bank & Trust was 49.73%: about 50 cents cost per revenue dollar, against 63 cents at the median peer.

At Q2 2026, noncurrent loans were 1.26% of total loans at Fidelity Bank & Trust; net charge-offs: 0.01% of average loans. Gross loans and leases at Fidelity Bank & Trust: $1.9 bn, up 38.4% in a year.

The peer group of Fidelity Bank & Trust is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of Fidelity Bank & Trust (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Iowa. Against them, Fidelity Bank & Trust shows CET1 ratio 10.67% against a peer median of 13.93%, return on equity 12.72% against a peer median of 9.27% and uninsured deposit share 41.01% against a peer median of 28.83%.

The FDIC history of Fidelity Bank & Trust, oldest first; figures before and after each event are not like for like.

1. 16 August 2019. Absorbed State Bank (FDIC certificate 15503).
2. 11 October 2019. Absorbed Community State Bank (FDIC certificate 10114).
3. 1 January 2022. Absorbed Farmers & Traders Savings Bank (FDIC certificate 16717).
4. 17 October 2025. Absorbed County Bank (FDIC certificate 12126).
5. 5 December 2025. Absorbed State Savings Bank (FDIC certificate 8513).
6. 5 December 2025. Absorbed Frost State Bank (FDIC certificate 26519).

Large one-quarter moves at Fidelity Bank & Trust

• Total assets at Fidelity Bank & Trust changed by +44.8% in the quarter to 2019-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from State Bank.