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
Unfavorable gap of $3.6M · efficiency ratio beats 55% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.86% | 2.93% | 3.45% | 4.01% | Beats 70% | 267 / 877 | | |
| Efficiency Ratio | 66.08% | 58.83% | 68.07% | 78.03% | Beats 55% | 395 / 877 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.06% | 0.40% | 1.05% | Beats 79% | 184 / 870 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 19% | 707 / 870 | | |
| Capital |
| Tier 1 Capital Ratio | 19.24% | 11.42% | 13.82% | 17.56% | Beats 81% | 166 / 877 | | |
| Total Risk-Based Capital Ratio | 20.40% | 11.77% | 14.35% | 18.30% | Beats 81% | 165 / 877 | | |
| Equity / Assets | 9.38% | 8.27% | 10.06% | 12.60% | Beats 40% | 524 / 877 | | |
| Liquidity & Funding |
| Loans / Deposits | 58.73% | 61.05% | 77.58% | 89.60% | 23rd pctl | 673 / 877 | | |
| Loans / Assets | 46.09% | 53.01% | 66.67% | 76.13% | 16th pctl | 733 / 870 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |