PackageTrendsPeer
Letter portraitLegal landscape

Fidelity Bank of Texas

Waco, TX · Cert 21455 · Fidelity Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fidelity Bank of Texas

Waco, TX · Cert 21455 · Fidelity Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$162.8MAssets
$109.8MLoans
$132.5MDeposits
$24.2MEquity
Loan mix
88%RE $91.1M10%C&I $10.6M2%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $102.8M22%Noninterest $29.8MQ2 2025Q2 2026

NIM

5.08%Q2 ’246.31%Q2 ’255.49%Q2 ’26+32%-28%

Non-interest income vs. expense

4.12%Q2 ’244.88%Q2 ’254.50%Q2 ’26+27%-7%

Market Position · Waco, TX · 2026 SOD (annual) · 1.5% share · #16 of 28 inst. · $0.1B of $8.9B

Executive Summary

  • Earnings: ROA of -0.55%, down 101 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.05% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.65%, down 242 bps from a year ago.
  • Funding: loans stand at 82.82% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.55%-101 bps YoY

Net Interest Margin (YTD, annualized)

3.97%-151 bps YoY

Efficiency Ratio (YTD, annualized)

106.28%+2,214 bps YoY

Tier 1 Leverage Ratio

10.65%-242 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.23%0.65%-0.38%-0.55%-101 bps
Return on Equity2.51%1.29%3.78%-2.49%-3.65%-616 bps
Net Interest Margin5.48%4.88%4.72%4.01%3.97%-151 bps
Efficiency Ratio84.14%86.98%78.53%100.24%106.28%+2,214 bps
Non-Interest Burden4.55%4.23%3.69%4.04%4.25%-30 bps
Growth
Asset Growth (YoY)12.51%16.47%23.88%30.27%18.43%+592 bps
Loan Growth (YoY)62.46%53.44%42.72%26.00%17.40%-4,506 bps
Deposit Growth (YoY)16.99%21.87%29.97%38.61%23.47%+648 bps
Asset Quality
Nonperforming Loans / Loans0.00%4.92%4.78%0.69%0.05%+5 bps
Net Charge-Offs / Loans0.01%0.01%0.01%-0.02%0.00%-1 bps
Allowance / Loans0.50%0.56%0.63%0.67%0.63%+13 bps
Allowance Coverage of NPLsn/a0.1x0.1x1.0x13.5xn/a
Capital
Tier 1 Leverage Ratio13.07%11.92%11.58%10.90%10.65%-242 bps
Total Risk-Based Capital13.07%11.92%11.58%10.90%10.65%-242 bps
Equity / Assets17.48%16.21%15.69%14.81%14.86%-262 bps
Liquidity & Funding
Loans / Deposits87.10%87.33%83.54%76.67%82.82%-428 bps
Liquid Assets / Assets19.13%18.51%21.58%26.68%19.44%+31 bps
CRE / Total Capitaln/a346%322%309%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Fidelity Bank of Texas

Waco, TX · Cert 21455 · Peer group: banks under $1B in assets in TX (n=208-211) · Fidelity Bancshares Inc.

State charter, Fed member · FED · 2 branches

Q2 2026

$162.8MAssets
$109.8MLoans
$132.5MDeposits
$24.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 86% of banks under $1B in assets in TX (rank 29 of 211).
  • Widest gap: return on equity trails 97% of banks under $1B in assets in TX (rank 205 of 211).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.55%

Rank 204 of 211

Net Interest Margin

3.97%

Rank 93 of 211

Efficiency Ratio

111.47%

Rank 204 of 211

Equity / Assets

14.86%

Rank 29 of 211

Non-interest income vs. expense

$0.4M$7.3MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 4% of banks under $1B in assets in TX
Bank 111.47%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.55%0.87%1.20%1.65%Beats 3%204 / 211
Return on Equity-3.69%7.52%11.67%14.58%Beats 3%205 / 211
Net Interest Margin3.97%3.28%3.82%4.31%Beats 56%93 / 211
Efficiency Ratio111.47%53.01%64.18%73.65%Beats 4%204 / 211
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.30%1.10%Beats 69%66 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 48%110 / 208
Capital
Tier 1 Capital Ratio10.65%11.72%14.45%19.57%Beats 16%177 / 211
Total Risk-Based Capital Ratio10.65%11.94%14.78%20.30%Beats 15%179 / 211
Equity / Assets14.86%9.41%11.06%12.94%Beats 86%29 / 211
Liquidity & Funding
Loans / Deposits82.82%45.39%66.56%82.03%77th pctl48 / 208
Loans / Assets67.41%39.13%56.90%70.46%69th pctl65 / 211
Brokered Deposits / Depositsn/aNot reported for this institution