Fidelity Federal Savings and Loan Association of Delaware
Delaware, OH · Cert 29521 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Fidelity FS&LA MHC
State savings bank · OCC · 2 branches
Q2 2026
$131.6MAssets
$80.9MLoans
$99.0MDeposits
$18.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 751).
- Widest gap: efficiency ratio trails 94% of banks under $1B in assets operating in a single state (rank 708 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.16%
Rank 711 of 755
Net Interest Margin
2.54%
Rank 698 of 755
Efficiency Ratio
92.49%
Rank 708 of 755
Equity / Assets
14.19%
Rank 143 of 755
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 6% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.16% | 0.72% | 1.06% | 1.45% | Beats 6% | 711 / 755 | |
| Return on Equity | 1.14% | 6.66% | 10.44% | 13.61% | Beats 6% | 713 / 755 | |
| Net Interest Margin | 2.54% | 3.15% | 3.68% | 4.17% | Beats 8% | 698 / 755 | |
| Efficiency Ratio | 92.49% | 55.75% | 64.78% | 75.61% | Beats 6% | 708 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.05% | Beats 79% | 159 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 17.02% | 11.56% | 13.81% | 17.74% | Beats 71% | 216 / 755 | |
| Total Risk-Based Capital Ratio | 17.02% | 11.72% | 14.46% | 18.53% | Beats 69% | 235 / 755 | |
| Equity / Assets | 14.19% | 8.93% | 10.56% | 13.13% | Beats 81% | 143 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 81.69% | 62.43% | 78.62% | 91.00% | 56th pctl | 334 / 755 | |
| Loans / Assets | 61.49% | 54.70% | 67.27% | 76.55% | 37th pctl | 476 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |