PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fidelity Federal Savings and Loan Association of Delaware

Delaware, OH · Cert 29521 · Fidelity FS&LA MHC

State savings bank · OCC · 2 branches

Q2 2026

$131.6MAssets
$80.9MLoans
$99.0MDeposits
$18.7MEquity
Loan mix
99%RE $76.9M0%C&I $0.0M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $95.6M3%Noninterest $3.4MQ2 2025Q2 2026

NIM

3.92%Q2 ’244.10%Q2 ’254.25%Q2 ’26-1%+7%

Non-interest income vs. expense

2.71%Q2 ’242.58%Q2 ’252.46%Q2 ’26-5%-5%

Market Position · Columbus, OH · 2026 SOD (annual) · 0.1% share · #39 of 53 inst. · $0.1B of $124.6B

Executive Summary

  • Earnings: ROA of 0.16%, up 23 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 0.04% of loans (-20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.02%, down 21 bps from a year ago.
  • Funding: loans stand at 81.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.16%+23 bps YoY

Net Interest Margin (YTD, annualized)

2.54%+18 bps YoY

Efficiency Ratio (YTD, annualized)

92.49%-1,118 bps YoY

Tier 1 Leverage Ratio

17.02%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.06%-0.08%-0.03%0.09%0.16%+23 bps
Return on Equity-0.48%-0.55%-0.23%0.64%1.13%+161 bps
Net Interest Margin2.36%2.38%2.38%2.49%2.54%+18 bps
Efficiency Ratio103.67%104.59%101.70%95.64%92.49%-1,118 bps
Non-Interest Burden2.45%2.49%2.43%2.38%2.34%-12 bps
Growth
Asset Growth (YoY)2.03%2.76%1.80%1.71%1.05%-98 bps
Loan Growth (YoY)10.24%8.59%6.48%3.30%4.18%-606 bps
Deposit Growth (YoY)1.91%5.59%3.01%2.09%3.45%+154 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.04%0.36%0.00%0.04%-20 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.86%0.85%0.85%0.86%0.83%-3 bps
Allowance Coverage of NPLs3.5x20.3x2.4xn/a19.1x+15.6x
Capital
Tier 1 Leverage Ratio17.23%17.16%16.99%17.10%17.02%-21 bps
Total Risk-Based Capital32.21%17.16%33.64%17.10%17.02%-1,519 bps
Equity / Assets13.67%14.22%14.41%14.30%14.19%+52 bps
Liquidity & Funding
Loans / Deposits81.12%79.31%80.50%78.47%81.69%+57 bps
Liquid Assets / Assets0.80%1.65%0.96%0.83%1.65%+86 bps
CRE / Total Capitaln/a60.15%59.56%56.41%n/an/a