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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 $0.0BQ3 2024Q2 2026
Deposit mix
84%Interest-bearing $1.8B16%Noninterest $0.3BQ3 2024Q2 2026

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 1.30%, up 33 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 1.26% of loans (+11 bps YoY), with net charge-offs at 0.01%.
  • 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.

Return on Assets (YTD, annualized)

1.30%+33 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+59 bps YoY

Efficiency Ratio (YTD, annualized)

49.73%-937 bps YoY

Tier 1 Leverage Ratio

8.98%-46 bps YoY

NIM

4.38%Q2 ’244.54%Q2 ’255.04%Q2 ’26+8%+21%

Non-interest income vs. expense

1.87%Q2 ’241.81%Q2 ’251.83%Q2 ’26-1%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.67%0.89%0.97%0.98%1.06%1.31%1.30%+33 bps
Return on Equity5.90%6.74%8.92%9.58%9.63%10.40%12.90%12.72%+314 bps
Net Interest Margin2.59%2.54%2.73%2.77%2.80%2.67%3.48%3.36%+59 bps
Efficiency Ratio65.03%64.40%60.82%59.09%59.31%57.32%47.55%49.73%-937 bps
Non-Interest Burden1.56%1.51%1.54%1.51%1.55%1.39%1.50%1.52%+1 bps
Growth
Asset Growth (YoY)5.88%4.05%4.57%6.32%7.46%28.60%30.21%28.64%+2,232 bps
Loan Growth (YoY)5.49%5.94%5.55%8.52%9.74%35.71%38.82%38.35%+2,984 bps
Deposit Growth (YoY)6.21%5.73%5.48%4.37%5.35%24.83%25.91%23.40%+1,903 bps
Asset Quality
Nonperforming Loans / Loans0.75%0.75%0.97%1.15%0.15%0.37%0.90%1.26%+11 bps
Net Charge-Offs / Loans0.29%0.17%0.00%0.00%0.01%0.01%0.02%0.01%+1 bps
Allowance / Loans1.38%1.36%1.37%1.36%1.33%1.03%1.07%1.08%-28 bps
Allowance Coverage of NPLs1.8x1.8x1.4x1.2x9.0x2.8x1.2x0.9x-0.3x
Capital
Tier 1 Leverage Ratio9.46%9.35%9.42%9.43%9.37%9.42%8.90%8.98%-46 bps
Total Risk-Based Capital12.78%12.71%12.79%12.83%12.89%11.57%11.58%11.72%-111 bps
Equity / Assets10.33%9.85%10.16%10.23%10.37%10.23%10.11%10.31%+8 bps
Liquidity & Funding
Loans / Deposits77.54%78.18%79.46%79.86%80.78%84.99%87.61%89.54%+968 bps
Liquid Assets / Assets2.99%2.71%2.07%2.60%2.53%2.02%2.25%1.43%-116 bps
CRE / Total Capitaln/an/an/an/a160.78%163.74%158.33%n/an/a