Fuquay Varina, NC · Cert 11507 · Fidelity Bancshares N C Inc.
State charter, non-member · FDIC · 55 branches
Q2 2026
Market Position · Raleigh-Cary, NC · 2026 SOD (annual) · 1.2% share · #9 of 37 inst. · $1.3B of $110.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.60% | 1.59% | 1.63% | 1.69% | 1.74% | 1.72% | 1.73% | +10 bps | |
| Return on Equity | 21.63% | 21.55% | 19.50% | 19.48% | 19.85% | 19.74% | 17.34% | 17.38% | -210 bps | |
| Net Interest Margin | 3.43% | 3.37% | 3.58% | 3.58% | 3.55% | 3.57% | 3.77% | 3.78% | +20 bps | |
| Efficiency Ratio | 53.81% | 52.98% | 51.90% | 51.50% | 50.52% | 49.59% | 51.92% | 51.48% | -3 bps | |
| Non-Interest Burden | 1.45% | 1.40% | 1.46% | 1.44% | 1.38% | 1.34% | 1.57% | 1.54% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.70% | 4.91% | 9.14% | 10.37% | 11.64% | 10.18% | 8.27% | 9.35% | -102 bps | |
| Loan Growth (YoY) | 9.38% | 7.76% | 6.96% | 9.30% | 8.55% | 7.91% | 7.55% | 5.86% | -345 bps | |
| Deposit Growth (YoY) | 5.58% | 6.47% | 7.76% | 8.48% | 10.59% | 7.86% | 6.34% | 7.86% | -62 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.65% | 0.59% | 0.44% | 0.56% | 0.64% | 0.27% | 0.38% | 0.42% | -15 bps | |
| Net Charge-Offs / Loans | -0.06% | 0.03% | -0.02% | 0.03% | 0.01% | 0.03% | 0.08% | 0.06% | +3 bps | |
| Allowance / Loans | 1.28% | 1.21% | 1.23% | 1.21% | 1.22% | 1.28% | 1.26% | 1.26% | +5 bps | |
| Allowance Coverage of NPLs | 2.0x | 2.0x | 2.8x | 2.2x | 1.9x | 4.8x | 3.3x | 3.0x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.14% | 10.13% | 10.50% | 10.62% | 10.68% | 10.94% | 11.30% | 11.47% | +85 bps | |
| Total Risk-Based Capital | 15.23% | 15.49% | 15.92% | 16.04% | 16.51% | 17.08% | 17.50% | 17.81% | +178 bps | |
| Equity / Assets | 8.13% | 7.92% | 8.39% | 8.77% | 9.00% | 9.85% | 9.98% | 10.03% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.36% | 72.29% | 70.71% | 71.40% | 69.07% | 72.32% | 71.51% | 70.07% | -133 bps | |
| Liquid Assets / Assets | 4.31% | 3.76% | 6.63% | 7.13% | 11.22% | 9.57% | 11.40% | 13.25% | +613 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 433% | 421% | 409% | n/a | n/a | |