Waco, TX · Cert 21455 · Fidelity Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
39
Asset Quality
59
Profitability
21
Liquidity
30
Efficiency
4
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.
Waco, TX · Cert 21455 · Fidelity Bancshares Inc.
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Waco, TX · 2026 SOD (annual) · 1.5% share · #16 of 28 inst. · $0.1B of $8.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | -0.07% | 0.36% | 0.46% | 0.23% | 0.65% | -0.38% | -0.55% | -101 bps | |
| Return on Equity | 1.06% | -0.33% | 1.90% | 2.51% | 1.29% | 3.78% | -2.49% | -3.65% | -616 bps | |
| Net Interest Margin | 4.10% | 4.12% | 4.71% | 5.48% | 4.88% | 4.72% | 4.01% | 3.97% | -151 bps | |
| Efficiency Ratio | 85.92% | 85.98% | 86.27% | 84.14% | 86.98% | 78.53% | 100.24% | 106.28% | +2,214 bps | |
| Non-Interest Burden | 3.64% | 3.58% | 4.06% | 4.55% | 4.23% | 3.69% | 4.04% | 4.25% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.96% | 8.01% | 4.66% | 12.51% | 16.47% | 23.88% | 30.27% | 18.43% | +592 bps | |
| Loan Growth (YoY) | 50.66% | 56.77% | 45.52% | 62.46% | 53.44% | 42.72% | 26.00% | 17.40% | -4,506 bps | |
| Deposit Growth (YoY) | -4.01% | 4.65% | 7.05% | 16.99% | 21.87% | 29.97% | 38.61% | 23.47% | +648 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 4.92% | 4.78% | 0.69% | 0.05% | +5 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | -0.02% | 0.00% | -1 bps | |
| Allowance / Loans | 0.94% | 0.55% | 0.49% | 0.50% | 0.56% | 0.63% | 0.67% | 0.63% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.1x | 0.1x | 1.0x | 13.5x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.83% | 12.72% | 12.97% | 13.07% | 11.92% | 11.58% | 10.90% | 10.65% | -242 bps | |
| Total Risk-Based Capital | 12.83% | 12.72% | 12.97% | 13.07% | 11.92% | 11.58% | 10.90% | 10.65% | -242 bps | |
| Equity / Assets | 19.37% | 18.72% | 18.78% | 17.48% | 16.21% | 15.69% | 14.81% | 14.86% | -262 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.36% | 76.08% | 84.35% | 87.10% | 87.33% | 83.54% | 76.67% | 82.82% | -428 bps | |
| Liquid Assets / Assets | 32.66% | 28.13% | 21.16% | 19.13% | 18.51% | 21.58% | 26.68% | 19.44% | +31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 346% | 322% | 309% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.97% | 3.28% | 3.82% | 4.31% | Beats 56% | 93 / 211 | ||
| Efficiency Ratio | 111.47% | 53.01% | 64.18% | 73.65% | Beats 4% | 204 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.01% | 0.30% | 1.10% | Beats 69% | 66 / 208 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 48% | 110 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.65% | 11.72% | 14.45% | 19.57% | Beats 16% | 177 / 211 | ||
| Total Risk-Based Capital Ratio | 10.65% | 11.94% | 14.78% | 20.30% | Beats 15% | 179 / 211 | ||
| Equity / Assets | 14.86% | 9.41% | 11.06% | 12.94% | Beats 86% | 29 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.82% | 45.39% | 66.56% | 82.03% | 77th pctl | 48 / 208 | ||
| Loans / Assets | 67.41% | 39.13% | 56.90% | 70.46% | 69th pctl | 65 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||