Fidelity Bank & Trust
Dubuque, IA · Cert 14382 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Fidelity Co.
State charter, non-member · FDIC · 36 branches
Q2 2026
$2.6BAssets
$1.9BLoans
$2.1BDeposits
$268.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 81% of banks $1B-$10B in assets operating regionally (rank 34 of 176).
- Widest gap: tier 1 capital ratio trails 82% of banks $1B-$10B in assets operating regionally (rank 144 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.28%
Rank 83 of 176
Net Interest Margin
3.36%
Rank 120 of 176
Efficiency Ratio
50.81%
Rank 34 of 176
Equity / Assets
10.31%
Rank 90 of 176
Non-interest income vs. expense
Unfavorable gap of $39.5M · efficiency ratio beats 81% 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 | 1.28% | 0.93% | 1.26% | 1.54% | Beats 53% | 83 / 176 | | |
| Return on Equity | 12.44% | 9.26% | 11.89% | 14.46% | Beats 54% | 81 / 176 | | |
| Net Interest Margin | 3.36% | 3.25% | 3.59% | 3.93% | Beats 32% | 120 / 176 | | |
| Efficiency Ratio | 50.81% | 52.79% | 59.55% | 67.66% | Beats 81% | 34 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.26% | 0.30% | 0.64% | 1.32% | Beats 26% | 131 / 176 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.04% | 0.10% | Beats 79% | 38 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 10.67% | 11.15% | 12.72% | 14.15% | Beats 18% | 144 / 176 | | |
| Total Risk-Based Capital Ratio | 11.72% | 11.81% | 13.63% | 15.33% | Beats 23% | 135 / 176 | | |
| Equity / Assets | 10.31% | 9.16% | 10.35% | 11.80% | Beats 49% | 90 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.54% | 80.94% | 89.73% | 97.21% | 49th pctl | 90 / 176 | | |
| Loans / Assets | 73.32% | 69.25% | 75.12% | 80.82% | 41st pctl | 103 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |