Fidelity Bank
West Memphis, AR · Cert 19644 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Carlson Bancshares Inc.
State charter, Fed member · FED · 6 branches
Q2 2026
$546.8MAssets
$257.0MLoans
$496.3MDeposits
$47.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 64% of banks under $1B in assets operating in a single state (rank 270 of 746).
- Widest gap: net interest margin trails 86% of banks under $1B in assets operating in a single state (rank 643 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.02%
Rank 399 of 746
Net Interest Margin
2.88%
Rank 643 of 746
Efficiency Ratio
59.23%
Rank 270 of 746
Equity / Assets
8.69%
Rank 584 of 746
Non-interest income vs. expense
Unfavorable gap of $8.6M · efficiency ratio beats 64% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.02% | 0.72% | 1.06% | 1.45% | Beats 47% | 399 / 746 | | |
| Return on Equity | 11.70% | 6.74% | 10.51% | 13.63% | Beats 61% | 292 / 746 | | |
| Net Interest Margin | 2.88% | 3.17% | 3.68% | 4.16% | Beats 14% | 643 / 746 | | |
| Efficiency Ratio | 59.23% | 55.74% | 64.58% | 75.47% | Beats 64% | 270 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.09% | 0.42% | 1.07% | Beats 35% | 483 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 62% | 287 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.07% | 11.55% | 13.75% | 17.60% | Beats 43% | 428 / 746 | | |
| Total Risk-Based Capital Ratio | 13.07% | 11.71% | 14.33% | 18.43% | Beats 38% | 465 / 746 | | |
| Equity / Assets | 8.69% | 8.90% | 10.51% | 13.06% | Beats 22% | 584 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.79% | 61.31% | 78.27% | 90.78% | 14th pctl | 641 / 746 | | |
| Loans / Assets | 47.00% | 53.60% | 66.97% | 76.08% | 16th pctl | 623 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |