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
Unfavorable gap of $72.0M · efficiency ratio beats 78% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.93% | 1.26% | 1.54% | Beats 86% | 24 / 176 | | |
| Return on Equity | 16.72% | 9.26% | 11.89% | 14.46% | Beats 88% | 21 / 176 | | |
| Net Interest Margin | 3.78% | 3.25% | 3.59% | 3.93% | Beats 64% | 64 / 176 | | |
| Efficiency Ratio | 51.48% | 52.79% | 59.55% | 67.66% | Beats 78% | 39 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.30% | 0.64% | 1.32% | Beats 64% | 65 / 176 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.04% | 0.10% | Beats 49% | 91 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 16.56% | 11.15% | 12.72% | 14.15% | Beats 91% | 15 / 176 | | |
| Total Risk-Based Capital Ratio | 17.81% | 11.81% | 13.63% | 15.33% | Beats 91% | 15 / 176 | | |
| Equity / Assets | 10.03% | 9.16% | 10.35% | 11.80% | Beats 43% | 101 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.07% | 80.94% | 89.73% | 97.21% | 8th pctl | 162 / 176 | | |
| Loans / Assets | 62.75% | 69.25% | 75.12% | 80.82% | 11th pctl | 157 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |