PackageTrendsPeer
Letter portraitLegal landscape

Fidelity Bank, The

Fuquay Varina, NC · Cert 11507 · Fidelity Bancshares N C Inc.

State charter, non-member · FDIC · 55 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

79

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

78

Q2 2024Q2 2026peer 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 Bank, The

Fuquay Varina, NC · Cert 11507 · Fidelity Bancshares N C Inc.

State charter, non-member · FDIC · 55 branches

Q2 2026

$4.7BAssets
$2.9BLoans
$4.2BDeposits
$467.7MEquity
Loan mix
91%RE $2.6B8%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
55%Interest-bearing $2.3B45%Noninterest $1.9BQ2 2025Q2 2026

NIM

4.21%Q2 ’244.45%Q2 ’254.54%Q2 ’26+4%+6%

Non-interest income vs. expense

2.32%Q2 ’242.24%Q2 ’252.35%Q2 ’26-4%+7%

Market Position · Raleigh-Cary, NC · 2026 SOD (annual) · 1.2% share · #9 of 37 inst. · $1.3B of $110.3B

1.2% Wake
2.4% Forsyth
11.5% Randolph
1.7% Guilford

Executive Summary

  • Earnings: ROA of 1.73%, up 10 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.42% of loans (-15 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 11.47%, up 85 bps from a year ago.
  • Funding: loans stand at 70.07% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.73%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+20 bps YoY

Efficiency Ratio (YTD, annualized)

51.48%-3 bps YoY

Tier 1 Leverage Ratio

11.47%+85 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.69%1.74%1.72%1.73%+10 bps
Return on Equity19.48%19.85%19.74%17.34%17.38%-210 bps
Net Interest Margin3.58%3.55%3.57%3.77%3.78%+20 bps
Efficiency Ratio51.50%50.52%49.59%51.92%51.48%-3 bps
Non-Interest Burden1.44%1.38%1.34%1.57%1.54%+10 bps
Growth
Asset Growth (YoY)10.37%11.64%10.18%8.27%9.35%-102 bps
Loan Growth (YoY)9.30%8.55%7.91%7.55%5.86%-345 bps
Deposit Growth (YoY)8.48%10.59%7.86%6.34%7.86%-62 bps
Asset Quality
Nonperforming Loans / Loans0.56%0.64%0.27%0.38%0.42%-15 bps
Net Charge-Offs / Loans0.03%0.01%0.03%0.08%0.06%+3 bps
Allowance / Loans1.21%1.22%1.28%1.26%1.26%+5 bps
Allowance Coverage of NPLs2.2x1.9x4.8x3.3x3.0x+0.9x
Capital
Tier 1 Leverage Ratio10.62%10.68%10.94%11.30%11.47%+85 bps
Total Risk-Based Capital16.04%16.51%17.08%17.50%17.81%+178 bps
Equity / Assets8.77%9.00%9.85%9.98%10.03%+126 bps
Liquidity & Funding
Loans / Deposits71.40%69.07%72.32%71.51%70.07%-133 bps
Liquid Assets / Assets7.13%11.22%9.57%11.40%13.25%+613 bps
CRE / Total Capitaln/a433%421%409%n/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 Bank, The

Fuquay Varina, NC · Cert 11507 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Fidelity Bancshares N C Inc.

State charter, non-member · FDIC · 55 branches

Q2 2026

$4.7BAssets
$2.9BLoans
$4.2BDeposits
$467.7MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 91% of banks $1B-$10B in assets operating regionally (rank 15 of 176).
  • Widest gap: equity / assets trails 57% of banks $1B-$10B in assets operating regionally (rank 101 of 176).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.68%

Rank 24 of 176

Net Interest Margin

3.78%

Rank 64 of 176

Efficiency Ratio

51.48%

Rank 39 of 176

Equity / Assets

10.03%

Rank 101 of 176

Non-interest income vs. expense

$37.8M$109.7MINCOMEEXPENSE
Unfavorable gap of $72.0M · efficiency ratio beats 78% of banks $1B-$10B in assets operating regionally
Bank 51.48%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.68%0.93%1.26%1.54%Beats 86%24 / 176
Return on Equity16.72%9.26%11.89%14.46%Beats 88%21 / 176
Net Interest Margin3.78%3.25%3.59%3.93%Beats 64%64 / 176
Efficiency Ratio51.48%52.79%59.55%67.66%Beats 78%39 / 176
Asset Quality
Nonperforming Loans / Loans0.42%0.30%0.64%1.32%Beats 64%65 / 176
Net Charge-Offs / Loans0.04%0.01%0.04%0.10%Beats 49%91 / 176
Capital
Tier 1 Capital Ratio16.56%11.15%12.72%14.15%Beats 91%15 / 176
Total Risk-Based Capital Ratio17.81%11.81%13.63%15.33%Beats 91%15 / 176
Equity / Assets10.03%9.16%10.35%11.80%Beats 43%101 / 176
Liquidity & Funding
Loans / Deposits70.07%80.94%89.73%97.21%8th pctl162 / 176
Loans / Assets62.75%69.25%75.12%80.82%11th pctl157 / 176
Brokered Deposits / Depositsn/aNot reported for this institution