Fidelity Personal Trust Company, F.S.B.
Boston, MA · Cert 35206 · Peer group: banks under $1B in assets (n=594-629)
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 629).
- Widest gap: net interest margin trails 63% of banks under $1B in assets (rank 394 of 629).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
30.78%
Rank 7 of 629
Net Interest Margin
3.30%
Rank 394 of 629
Efficiency Ratio
36.91%
Rank 17 of 629
Equity / Assets
96.87%
Rank 6 of 629
Non-interest income vs. expense
Favorable gap of $28.5M · efficiency ratio beats 97% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 30.78% | 0.60% | 1.01% | 1.45% | Beats 99% | 7 / 629 | | |
| Return on Equity | 31.78% | 5.38% | 9.30% | 13.28% | Beats 98% | 11 / 629 | | |
| Net Interest Margin | 3.30% | 3.03% | 3.54% | 4.05% | Beats 37% | 394 / 629 | | |
| Efficiency Ratio | 36.91% | 58.35% | 67.79% | 79.08% | Beats 97% | 17 / 629 | | |
| 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% | 11.24% | 13.84% | 18.77% | Beats 95% | 30 / 629 | | |
| Total Risk-Based Capital Ratio | 101.53% | 11.58% | 14.43% | 19.66% | Beats 95% | 30 / 629 | | |
| Equity / Assets | 96.87% | 9.09% | 10.65% | 13.80% | Beats 99% | 6 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 67.24% | 80.90% | 93.48% | 0th pctl | 582 / 594 | | |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |