Fidelity Bank
Savanna, IL · Cert 5753 · Peer group: banks under $1B in assets operating regionally (n=94) · Savanna-Thomson Investment Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$198.6MAssets
$147.3MLoans
$165.5MDeposits
$14.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 81% of banks under $1B in assets operating regionally (rank 19 of 94).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets operating regionally (rank 90 of 94).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.22%
Rank 89 of 94
Net Interest Margin
3.53%
Rank 67 of 94
Efficiency Ratio
92.96%
Rank 90 of 94
Equity / Assets
7.28%
Rank 87 of 94
Non-interest income vs. expense
Unfavorable gap of $6.3M · efficiency ratio beats 5% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.22% | 0.82% | 1.19% | 1.46% | Beats 5% | 89 / 94 | | |
| Return on Equity | 3.04% | 7.85% | 11.84% | 14.03% | Beats 11% | 84 / 94 | | |
| Net Interest Margin | 3.53% | 3.42% | 3.81% | 4.18% | Beats 29% | 67 / 94 | | |
| Efficiency Ratio | 92.96% | 55.99% | 62.41% | 73.02% | Beats 5% | 90 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.19% | 0.47% | 1.14% | Beats 35% | 62 / 94 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 81% | 19 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 11.02% | 10.28% | 11.95% | 15.07% | Beats 35% | 61 / 94 | | |
| Total Risk-Based Capital Ratio | 11.78% | 10.31% | 12.59% | 15.88% | Beats 45% | 52 / 94 | | |
| Equity / Assets | 7.28% | 8.98% | 10.21% | 11.41% | Beats 7% | 87 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.00% | 72.62% | 84.44% | 94.55% | 66th pctl | 32 / 94 | | |
| Loans / Assets | 74.17% | 62.50% | 72.84% | 78.99% | 59th pctl | 39 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |