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
Unfavorable gap of $6.9M · efficiency ratio beats 4% of banks under $1B in assets in TX | 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 |