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Fidelity Bank, National Association

Wichita, KS · Cert 30895 · Fidelity Financial Corp.

National charter · OCC · 16 branches

Q2 2026

$3.3BAssets
$2.6BLoans
$2.6BDeposits
$324.2MEquity
Loan mix
81%RE $2.1B17%C&I $0.4B3%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $2.2B16%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.84%Q2 ’245.89%Q2 ’255.81%Q2 ’26+18%+10%

Non-interest income vs. expense

2.79%Q2 ’242.73%Q2 ’252.65%Q2 ’26+7%-1%

Market Position · Wichita, KS · 2026 SOD (annual) · 9.8% share · #3 of 46 inst. · $2.3B of $23.2B

11.5% Sedgwick
0.4% Oklahoma
0.2% Tulsa
0.2% Johnson

Executive Summary

  • Earnings: ROA of 1.26%, up 29 bps year over year; NIM at 3.80%.
  • Asset quality: problem loans at 0.75% of loans (+43 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.99%, up 12 bps from a year ago.
  • Funding: loans stand at 100.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.26%+29 bps YoY

Net Interest Margin (quarter, annualized)

3.80%+35 bps YoY

Efficiency Ratio (quarter, annualized)

60.47%-626 bps YoY

Tier 1 Leverage Ratio

9.99%+12 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.87%1.20%1.05%1.26%+29 bps
Return on Equity10.11%9.09%12.53%10.89%12.89%+278 bps
Net Interest Margin3.45%3.48%3.60%3.61%3.80%+35 bps
Efficiency Ratio66.72%67.47%63.31%67.29%60.47%-626 bps
Non-Interest Burden2.09%2.14%2.07%2.30%2.07%-2 bps
Growth
Asset Growth (YoY)3.09%5.19%5.69%4.09%1.14%-195 bps
Loan Growth (YoY)3.29%4.84%6.90%5.08%2.17%-113 bps
Deposit Growth (YoY)11.11%3.34%1.37%1.87%-3.50%-1,461 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.52%0.49%0.82%0.75%+43 bps
Net Charge-Offs / Loans0.01%0.05%-0.15%-0.16%0.02%+1 bps
Allowance / Loans1.28%1.29%1.29%1.30%1.32%+4 bps
Allowance Coverage of NPLs4.0x2.5x2.6x1.6x1.8x-2.2x
Capital
Tier 1 Leverage Ratio9.87%9.92%9.95%9.92%9.99%+12 bps
Total Risk-Based Capital12.01%11.82%11.94%12.09%12.16%+15 bps
Equity / Assets9.64%9.55%9.66%9.70%9.83%+19 bps
Liquidity & Funding
Loans / Deposits94.88%102.71%101.07%99.25%100.45%+557 bps
Liquid Assets / Assets5.24%3.40%3.15%3.12%3.15%-209 bps
CRE / Total Capitaln/a483%461%461%n/an/a