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Fidelity State Bank and Trust Company

Topeka, KS · Cert 1150

FDIC · 2 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=870 to 877). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2025peer median (50)

Asset Quality

49

Q2 2024Q2 2025peer median (50)

Profitability

26

Q2 2024Q2 2025peer median (50)

Liquidity

40

Q2 2024Q2 2025peer median

Efficiency

55

Q2 2024Q2 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fidelity State Bank and Trust Company

Topeka, KS · Cert 1150

FDIC · 2 branches

Q2 2025

$147.7MAssets
$68.1MLoans
$115.9MDeposits
$13.8MEquity
Loan mix
37%RE $21.6M27%C&I $15.4M36%Consumer $21.0MQ2 2024Q2 2025
Deposit mix
61%Interest-bearing $70.4M39%Noninterest $45.5MQ2 2024Q2 2025

NIM

3.67%Q2 ’234.68%Q2 ’245.17%Q2 ’25+12%+16%

Non-interest income vs. expense

2.52%Q2 ’232.35%Q2 ’242.75%Q2 ’25+20%+23%

Market Position · Topeka, KS · 2025 SOD (annual) · 1.8% share · #12 of 32 inst. · $0.1B of $6.6B

Executive Summary

  • Earnings: ROA of -0.29%, down 145 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.04% of loans (+3 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.35%, up 48 bps from a year ago.
  • Funding: loans stand at 58.73% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.29%-145 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+54 bps YoY

Efficiency Ratio (YTD, annualized)

66.08%+230 bps YoY

Tier 1 Leverage Ratio

9.35%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.16%1.10%1.03%-2.17%-0.29%-145 bps
Return on Equity15.32%14.06%12.89%-25.01%-3.29%-1,861 bps
Net Interest Margin3.32%3.39%3.37%3.50%3.86%+54 bps
Efficiency Ratio63.78%64.31%65.68%64.95%66.08%+230 bps
Non-Interest Burden1.98%2.04%2.09%2.16%2.45%+47 bps
Growth
Asset Growth (YoY)-0.60%4.16%-7.62%-1.59%-6.34%-574 bps
Loan Growth (YoY)-1.01%2.84%2.08%-3.92%-0.15%+86 bps
Deposit Growth (YoY)-9.59%-5.69%-13.67%-6.60%-8.78%+81 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.01%1.75%0.04%+3 bps
Net Charge-Offs / Loans-0.17%-0.10%0.06%-0.16%0.02%+20 bps
Allowance / Loans1.28%1.26%1.25%1.43%1.23%-5 bps
Allowance Coverage of NPLs145.7x86.5x94.1x0.8x33.6x-112.1x
Capital
Tier 1 Leverage Ratio8.87%9.37%9.19%8.69%9.35%+48 bps
Total Risk-Based Capital19.50%19.97%20.45%20.24%20.40%+90 bps
Equity / Assets7.87%8.48%8.80%8.58%9.38%+151 bps
Liquidity & Funding
Loans / Deposits53.65%55.01%56.41%53.50%58.73%+508 bps
Liquid Assets / Assets24.39%27.29%21.17%34.11%35.24%+1,085 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fidelity State Bank and Trust Company

Topeka, KS · Cert 1150 · Peer group: banks under $1B in assets operating in a single state (n=870-877)

FDIC · 2 branches

Q2 2025

$147.7MAssets
$68.1MLoans
$115.9MDeposits
$13.8MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 81% of banks under $1B in assets operating in a single state (rank 166 of 877).
  • Widest gap: return on equity trails 96% of banks under $1B in assets operating in a single state (rank 842 of 875).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-0.30%

Rank 839 of 877

Net Interest Margin

3.86%

Rank 267 of 877

Efficiency Ratio

66.08%

Rank 395 of 877

Equity / Assets

9.38%

Rank 524 of 877

Non-interest income vs. expense

$0.4M$4.1MINCOMEEXPENSE
Unfavorable gap of $3.6M · efficiency ratio beats 55% of banks under $1B in assets operating in a single state
Bank 66.08%Peer median 68.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.30%0.59%0.91%1.33%Beats 4%839 / 877
Return on Equity-3.19%5.70%9.44%12.92%Beats 4%842 / 875
Net Interest Margin3.86%2.93%3.45%4.01%Beats 70%267 / 877
Efficiency Ratio66.08%58.83%68.07%78.03%Beats 55%395 / 877
Asset Quality
Nonperforming Loans / Loans0.04%0.06%0.40%1.05%Beats 79%184 / 870
Net Charge-Offs / Loans0.06%0.00%0.01%0.05%Beats 19%707 / 870
Capital
Tier 1 Capital Ratio19.24%11.42%13.82%17.56%Beats 81%166 / 877
Total Risk-Based Capital Ratio20.40%11.77%14.35%18.30%Beats 81%165 / 877
Equity / Assets9.38%8.27%10.06%12.60%Beats 40%524 / 877
Liquidity & Funding
Loans / Deposits58.73%61.05%77.58%89.60%23rd pctl673 / 877
Loans / Assets46.09%53.01%66.67%76.13%16th pctl733 / 870
Brokered Deposits / Depositsn/aNot reported for this institution