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 | |