Fidelity Personal Trust Company, F.S.B.
Boston, MA · Cert 35206 · Peer group: banks under $1B in assets (n=582-617)
State savings bank · OCC · 2 branches
Q2 2026
$74.6MAssets
$0KLoans
$500KDeposits
$72.3MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks under $1B in assets (rank 7 of 617).
- Widest gap: net interest margin trails 63% of banks under $1B in assets (rank 389 of 617).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
30.78%
Rank 7 of 617
Net Interest Margin
3.30%
Rank 389 of 617
Efficiency Ratio
36.91%
Rank 12 of 617
Equity / Assets
96.87%
Rank 6 of 617
Non-interest income vs. expense
Favorable gap of $28.5M · efficiency ratio beats 98% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 30.78% | 0.60% | 1.01% | 1.45% | Beats 99% | 7 / 617 | |
| Return on Equity | 31.78% | 5.30% | 9.43% | 13.30% | Beats 98% | 10 / 617 | |
| Net Interest Margin | 3.30% | 3.04% | 3.54% | 4.05% | Beats 37% | 389 / 617 | |
| Efficiency Ratio | 36.91% | 58.03% | 67.76% | 79.08% | Beats 98% | 12 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 101.53% | 11.18% | 13.83% | 18.55% | Beats 95% | 29 / 617 | |
| Total Risk-Based Capital Ratio | 101.53% | 11.56% | 14.39% | 19.39% | Beats 95% | 29 / 617 | |
| Equity / Assets | 96.87% | 9.03% | 10.55% | 13.63% | Beats 99% | 6 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 64.77% | 79.70% | 93.06% | 0th pctl | 571 / 582 | |
| Loans / Assets | 0.00% | 51.70% | 67.18% | 77.51% | 0th pctl | 571 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |