Cedar Rapids, IA · Cert 17282 · Fidelity Ban Corp.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 4.0% share · #8 of 23 inst. · $0.2B of $4.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.82% | 0.89% | 1.07% | 1.23% | 1.34% | 1.26% | 1.36% | +29 bps | |
| Return on Equity | 7.10% | 7.49% | 8.13% | 9.50% | 10.45% | 11.06% | 10.30% | 10.97% | +148 bps | |
| Net Interest Margin | 2.95% | 3.13% | 3.26% | 3.64% | 3.80% | 3.98% | 3.93% | 3.94% | +30 bps | |
| Efficiency Ratio | 70.54% | 68.21% | 68.76% | 63.32% | 60.17% | 60.85% | 62.88% | 60.38% | -294 bps | |
| Non-Interest Burden | 1.90% | 1.89% | 1.99% | 2.06% | 1.99% | 2.06% | 2.17% | 2.09% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.50% | -1.70% | 0.87% | -1.81% | -0.65% | 0.45% | -1.95% | 3.04% | +485 bps | |
| Loan Growth (YoY) | 5.99% | 2.83% | 5.09% | 6.09% | 7.24% | 5.68% | 1.25% | 1.60% | -449 bps | |
| Deposit Growth (YoY) | 1.43% | 0.12% | 8.44% | 4.44% | 3.87% | 7.32% | 1.14% | 5.81% | +137 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.29% | 0.38% | 0.40% | 0.18% | 0.62% | 0.46% | 0.45% | 1.00% | +82 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.29% | 0.01% | 0.21% | 0.00% | 0.63% | -0.04% | -0.08% | -30 bps | |
| Allowance / Loans | 1.12% | 1.11% | 1.09% | 1.10% | 1.15% | 1.07% | 1.10% | 1.14% | +4 bps | |
| Allowance Coverage of NPLs | 0.9x | 2.9x | 2.7x | 6.1x | 1.9x | 2.3x | 2.4x | 1.1x | -4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.09% | 11.35% | 11.40% | 11.70% | 12.03% | 12.11% | 12.48% | 12.46% | +76 bps | |
| Total Risk-Based Capital | 11.09% | 11.35% | 11.40% | 11.70% | 12.03% | 12.11% | 12.48% | 12.46% | +76 bps | |
| Equity / Assets | 10.86% | 11.02% | 10.93% | 11.60% | 11.95% | 12.26% | 12.24% | 12.47% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.84% | 100.52% | 96.97% | 101.63% | 102.05% | 98.98% | 97.08% | 97.58% | -404 bps | |
| Liquid Assets / Assets | 0.02% | 0.56% | 1.78% | 1.44% | 0.58% | 1.61% | 2.03% | 1.13% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 267% | 244% | 229% | n/a | n/a | |