Wichita, KS · Cert 30895 · Fidelity Financial Corp.
National charter · OCC · 16 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 9.8% share · #3 of 46 inst. · $2.3B of $23.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.58% | 0.90% | 0.94% | 0.91% | 0.99% | 1.05% | 1.16% | +22 bps | |
| Return on Equity | 5.07% | 6.12% | 9.39% | 9.75% | 9.54% | 10.30% | 10.89% | 11.90% | +214 bps | |
| Net Interest Margin | 2.96% | 3.02% | 3.29% | 3.33% | 3.37% | 3.39% | 3.61% | 3.72% | +39 bps | |
| Efficiency Ratio | 74.25% | 72.92% | 68.35% | 67.52% | 67.50% | 66.42% | 67.29% | 63.73% | -379 bps | |
| Non-Interest Burden | 1.99% | 1.99% | 2.01% | 2.02% | 2.06% | 2.04% | 2.30% | 2.19% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.27% | -0.91% | 0.62% | 3.09% | 5.19% | 5.69% | 4.09% | 1.14% | -195 bps | |
| Loan Growth (YoY) | 1.08% | -0.20% | 0.83% | 3.29% | 4.84% | 6.90% | 5.08% | 2.17% | -113 bps | |
| Deposit Growth (YoY) | -3.76% | 5.71% | 3.65% | 11.11% | 3.34% | 1.37% | 1.87% | -3.50% | -1,461 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.23% | 0.42% | 0.36% | 0.32% | 0.52% | 0.49% | 0.82% | 0.75% | +43 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.14% | 0.07% | 0.04% | 0.04% | -0.01% | -0.16% | -0.07% | -11 bps | |
| Allowance / Loans | 1.26% | 1.28% | 1.27% | 1.28% | 1.29% | 1.29% | 1.30% | 1.32% | +4 bps | |
| Allowance Coverage of NPLs | 1.0x | 3.1x | 3.5x | 4.0x | 2.5x | 2.6x | 1.6x | 1.8x | -2.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.81% | 9.92% | 9.98% | 9.87% | 9.92% | 9.95% | 9.92% | 9.99% | +12 bps | |
| Total Risk-Based Capital | 11.98% | 12.12% | 12.02% | 12.01% | 11.82% | 11.94% | 12.09% | 12.16% | +15 bps | |
| Equity / Assets | 9.55% | 9.56% | 9.62% | 9.64% | 9.55% | 9.66% | 9.70% | 9.83% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.24% | 95.84% | 96.22% | 94.88% | 102.71% | 101.07% | 99.25% | 100.45% | +557 bps | |
| Liquid Assets / Assets | 3.60% | 3.29% | 5.02% | 5.24% | 3.40% | 3.15% | 3.12% | 3.15% | -209 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 483% | 461% | 461% | n/a | n/a | |