The Fidelity Bank
The Fidelity Bank reported total assets of $4.7 bn at Q2 2026, up 9.3% on a year earlier, the 297th largest of 497 banks in our US coverage. The CET1 capital ratio at The Fidelity Bank was 16.56%, and the uninsured share of The Fidelity Bank was 38.22%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, The Fidelity Bank climbed from 263rd to 155th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , The Fidelity Bank has taken over one institution; the latest was Affinity Bank, National Association on (FDIC Call Reports).
What sets The Fidelity Bank apart
How large is The Fidelity Bank?
The balance sheet of The Fidelity Bank at : assets $4.7 bn, deposits $4.2 bn, net loans $2.9 bn (loans equal to 69.19% of deposits). Securities make up 22.5% of total assets at The Fidelity Bank. Since , when The Fidelity Bank held $1.8 bn, its assets grew 166.0%. In the year to , deposits at The Fidelity Bank rose 7.9% while its total assets rose 9.3%. At , The Fidelity Bank employed 579 full-time equivalent staff across 55 offices, about $8.1 mn of assets per employee and $75.9 mn of deposits per office.
How much funding at The Fidelity Bank is uninsured?
At The Fidelity Bank, uninsured deposits (above the FDIC limit) made up 38.22% of domestic deposits at (+2.56 pp on a year earlier); The Fidelity Bank ranks 217th of 500 on this measure. In dollars, The Fidelity Bank estimated $1.6 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.2 bn | +7.9% | 279th of 499 |
| Net loans and leases | $2.9 bn | +5.8% | 324th of 500 |
| Loan-to-deposit ratio | 69.19% | -1.35 pp | 425th of 500 |
| Tier 1 leverage ratio | 11.47% | +0.85 pp | 129th of 500 |
| Total risk-based capital ratio | 17.81% | +1.78 pp | 74th of 448 |
| Net interest margin | 4.06% | +0.14 pp | 123rd of 500 |
| Return on assets (ROA) | 1.73% | +0.10 pp | 96th of 500 |
| Efficiency ratio | 51.48% | -0.03 pp | 159th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $1.7 mn | Widened by $556,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $114.3 mn | Narrowed by $23.7 mn | |
| Noncurrent loans to total loans | 0.42% | -0.15 pp | 155th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | +0.03 pp | 215th of 500 (1 = lowest) |
US rank of The Fidelity Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
The Fidelity Bank: assets, deposits and loans
- Total assets $4.7bn
- Deposits $4.2bn
- Net loans $2.9bn
Capital and securities
The CET1 ratio of The Fidelity Bank stood at 16.56% in , +1.75 pp year on year. Low and high at The Fidelity Bank since : 12.39% () to 16.56% (). Equity capital of The Fidelity Bank at : $467.7 mn, or 10.0% of total assets. The Fidelity Bank also reported a total capital ratio of 17.81% for , and a tier 1 leverage ratio of 11.47%.
On held-to-maturity securities, The Fidelity Bank carried an unrealized loss of $1.7 mn at , equal to 0.4% of equity capital. The loss widened by $556,000 over the year. Its deepest point: $9.0 mn in . The available-for-sale portfolio of The Fidelity Bank showed an unrealized loss of $114.3 mn at ; the loss narrowed by $23.7 mn over the year.
The Fidelity Bank: capital ratios
- Total capital 18%
- CET1 17%
- Tier 1 leverage 11%
The Fidelity Bank: unrealized securities gains and losses
- Available for sale -$114mn
- Held to maturity -$2mn
Profitability and loan quality
For the year to , The Fidelity Bank earned a return on equity of 17.38%; return on assets: 1.73%. Net interest margin at The Fidelity Bank: 4.06%, +0.14 pp in a year. The Fidelity Bank net income: $39.1 mn, up 16.0% year on year. The efficiency ratio of The Fidelity Bank was 51.48%: about 51 cents cost per revenue dollar, against 63 cents at the median peer.
At , noncurrent loans were 0.42% of total loans at The Fidelity Bank; net charge-offs: 0.06% of average loans. Gross loans and leases at The Fidelity Bank: $2.9 bn, up 5.9% in a year.
The Fidelity Bank: profitability
- Return on equity 17%
- Net interest margin 4.1%
- Return on assets 1.7%
Peer group of The Fidelity Bank
The peer group of The Fidelity Bank 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 The Fidelity Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in North Carolina. Against them, The Fidelity Bank shows CET1 ratio 16.56% against a peer median of 12.39%, return on equity 17.38% against a peer median of 12.37% and uninsured deposit share 38.22% against a peer median of 27.67%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Town Bank | National bank | WI | $4.7 bn | 11.19% | 13.73% | 31.04% | |
| Southern First Bank | State nonmember bank | SC | $4.7 bn | 11.61% | 11.01% | 45.94% | |
| Erebor Bank | National bank | OH | $4.7 bn | not reported | -5.45% | 0.00% | |
| The Fidelity Bank | State nonmember bank | NC | $4.7 bn | 16.56% | 17.38% | 38.22% | |
| First National Bank Texas | National bank | TX | $4.6 bn | 19.71% | 18.70% | 8.51% | |
| PeoplesBank | State-chartered stock savings bank | MA | $4.6 bn | 12.39% | 4.83% | 26.30% | |
| VeraBank | National bank | TX | $4.6 bn | 17.27% | 14.09% | 29.04% | |
. FDIC Call Reports.
Last eight quarters
Two years at The Fidelity Bank, to : assets +16.1%, deposits +13.8%, equity +43.2%. Staff 545 to 579; offices 54 to 55.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.0 bn | $4.0 bn | $4.2 bn | $4.3 bn | $4.5 bn | $4.4 bn | $4.5 bn | $4.7 bn |
| Total deposits | $3.7 bn | $3.7 bn | $3.8 bn | $3.9 bn | $4.1 bn | $3.9 bn | $4.0 bn | $4.2 bn |
| Bank equity capital | $326.6 mn | $315.7 mn | $348.6 mn | $374.1 mn | $403.4 mn | $433.0 mn | $448.9 mn | $467.7 mn |
| CET1 ratio | 13.98% | 14.27% | 14.67% | 14.81% | 15.26% | 15.83% | 16.25% | 16.56% |
| Return on equity (ROE) | 21.63% | 21.55% | 19.50% | 19.48% | 19.85% | 19.74% | 17.34% | 17.38% |
| Uninsured share of domestic deposits | 35.28% | 34.18% | 34.77% | 35.66% | 37.99% | 36.53% | 36.78% | 38.22% |
| Full-time equivalent employees | 545 | 542 | 546 | 557 | 555 | 561 | 563 | 579 |
| Number of offices | 54 | 54 | 53 | 53 | 53 | 55 | 55 | 55 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of The Fidelity Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Affinity Bank, National Association (FDIC certificate 29510).
Questions and identifiers
What were the total assets of The Fidelity Bank?
The Fidelity Bank reported $4.7 bn at in its Call Report. That makes The Fidelity Bank the 297th largest of 497 banks in our US coverage.
Is The Fidelity Bank the same as its holding company?
No. This page covers The Fidelity Bank, FDIC certificate 11507; FIDELITY BANCSHARES N C INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is The Fidelity Bank profitable?
The Fidelity Bank reported net income of $39.1 mn for the year to ; annualized return on equity: 17.38%. So yes: The Fidelity Bank made a profit over these months.
When is data for The Fidelity Bank next updated?
Figures from The Fidelity Bank for are due after .
Where can I check the figures for The Fidelity Bank?
In the FDIC BankFind Suite record for certificate 11507, and in the Call Reports of The Fidelity Bank (RSSD ID 584920) at the FFIEC Central Data Repository.