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=743-746) · 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 743).
- Widest gap: efficiency ratio trails 94% of banks under $1B in assets operating in a single state (rank 699 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.16%
Rank 700 of 746
Net Interest Margin
2.54%
Rank 691 of 746
Efficiency Ratio
92.49%
Rank 699 of 746
Equity / Assets
14.19%
Rank 132 of 746
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% | 700 / 746 | |
| Return on Equity | 1.14% | 6.74% | 10.51% | 13.63% | Beats 6% | 702 / 746 | |
| Net Interest Margin | 2.54% | 3.17% | 3.68% | 4.16% | Beats 7% | 691 / 746 | |
| Efficiency Ratio | 92.49% | 55.74% | 64.58% | 75.47% | Beats 6% | 699 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.42% | 1.07% | Beats 79% | 158 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 17.02% | 11.55% | 13.75% | 17.60% | Beats 72% | 209 / 746 | |
| Total Risk-Based Capital Ratio | 17.02% | 11.71% | 14.33% | 18.43% | Beats 69% | 229 / 746 | |
| Equity / Assets | 14.19% | 8.90% | 10.51% | 13.06% | Beats 82% | 132 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 81.69% | 61.31% | 78.27% | 90.78% | 57th pctl | 322 / 746 | |
| Loans / Assets | 61.49% | 53.60% | 66.97% | 76.08% | 38th pctl | 463 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |