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Fidelity Bank & Trust

Dubuque, IA · Cert 14382 · Fidelity Co.

State charter, non-member · FDIC · 36 branches

Q2 2026

$2.6BAssets
$1.9BLoans
$2.1BDeposits
$268.4MEquity
Loan mix
79%RE $1.1B19%C&I $0.3B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $1.8B16%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.52%Q2 ’244.63%Q2 ’255.00%Q2 ’26+8%+16%

Non-interest income vs. expense

1.89%Q2 ’241.82%Q2 ’251.89%Q2 ’26+0%+4%

Market Position · Dubuque, IA · 2026 SOD (annual) · 18.8% share · #3 of 9 inst. · $0.7B of $3.6B

18.8% Dubuque
44.8% Cedar
12.1% Bremer
28.4% Keokuk

Executive Summary

  • Earnings: ROA of 1.28%, up 25 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 1.26% of loans (+11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.98%, down 46 bps from a year ago.
  • Funding: loans stand at 89.54% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.28%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.30%+45 bps YoY

Efficiency Ratio (quarter, annualized)

51.95%-553 bps YoY

Tier 1 Leverage Ratio

8.98%-46 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.00%1.33%1.31%1.28%+25 bps
Return on Equity10.19%9.72%12.92%12.90%12.58%+239 bps
Net Interest Margin2.85%2.95%3.26%3.48%3.30%+45 bps
Efficiency Ratio57.48%59.72%53.08%47.55%51.95%-553 bps
Non-Interest Burden1.50%1.67%1.47%1.50%1.56%+6 bps
Growth
Asset Growth (YoY)6.32%7.46%28.60%30.21%28.64%+2,232 bps
Loan Growth (YoY)8.52%9.74%35.71%38.82%38.35%+2,984 bps
Deposit Growth (YoY)4.37%5.35%24.83%25.91%23.40%+1,903 bps
Asset Quality
Nonperforming Loans / Loans1.15%0.15%0.37%0.90%1.26%+11 bps
Net Charge-Offs / Loans0.00%0.02%0.03%0.02%0.00%0 bps
Allowance / Loans1.36%1.33%1.03%1.07%1.08%-28 bps
Allowance Coverage of NPLs1.2x9.0x2.8x1.2x0.9x-0.3x
Capital
Tier 1 Leverage Ratio9.43%9.37%9.42%8.90%8.98%-46 bps
Total Risk-Based Capital12.83%12.89%11.57%11.58%11.72%-111 bps
Equity / Assets10.23%10.37%10.23%10.11%10.31%+8 bps
Liquidity & Funding
Loans / Deposits79.86%80.78%84.99%87.61%89.54%+968 bps
Liquid Assets / Assets2.60%2.53%2.02%2.25%1.43%-116 bps
CRE / Total Capitaln/a160.78%163.74%158.33%n/an/a