Fidelity Bank, National Association
Wichita, KS · Cert 30895 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Fidelity Financial Corp.
National charter · OCC · 16 branches
Q2 2026
$3.3BAssets
$2.6BLoans
$2.6BDeposits
$324.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 64% of banks $1B-$10B in assets operating regionally (rank 65 of 176).
- Widest gap: tier 1 capital ratio trails 78% of banks $1B-$10B in assets operating regionally (rank 137 of 176).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 100 of 176
Net Interest Margin
3.72%
Rank 71 of 176
Efficiency Ratio
63.79%
Rank 109 of 176
Equity / Assets
9.83%
Rank 110 of 176
Non-interest income vs. expense
Unfavorable gap of $71.0M · efficiency ratio beats 39% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.93% | 1.26% | 1.54% | Beats 43% | 100 / 176 | | |
| Return on Equity | 11.89% | 9.26% | 11.89% | 14.46% | Beats 50% | 88 / 176 | | |
| Net Interest Margin | 3.72% | 3.25% | 3.59% | 3.93% | Beats 60% | 71 / 176 | | |
| Efficiency Ratio | 63.79% | 52.79% | 59.55% | 67.66% | Beats 39% | 109 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.30% | 0.64% | 1.32% | Beats 44% | 100 / 176 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.10% | Beats 64% | 65 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 10.97% | 11.15% | 12.72% | 14.15% | Beats 22% | 137 / 176 | | |
| Total Risk-Based Capital Ratio | 12.16% | 11.81% | 13.63% | 15.33% | Beats 29% | 125 / 176 | | |
| Equity / Assets | 9.83% | 9.16% | 10.35% | 11.80% | Beats 38% | 110 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 100.45% | 80.94% | 89.73% | 97.21% | 83rd pctl | 30 / 176 | | |
| Loans / Assets | 78.74% | 69.25% | 75.12% | 80.82% | 66th pctl | 59 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |