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Fidelity Bank

Savanna, IL · Cert 5753 · Savanna-Thomson Investment Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$198.6MAssets
$147.3MLoans
$165.5MDeposits
$14.5MEquity
Loan mix
94%RE $126.0M5%C&I $7.0M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $142.4M14%Noninterest $23.1MQ2 2025Q2 2026

NIM

5.32%Q2 ’245.68%Q2 ’255.69%Q2 ’26+12%+1%

Non-interest income vs. expense

4.65%Q2 ’244.49%Q2 ’254.44%Q2 ’26+3%-4%

Market Position · Des Moines-West Des Moines, IA · 2026 SOD (annual) · 0.1% share · #50 of 57 inst. · $0.0B of $38.0B

17.6% Carroll
1.1% Dallas
0.9% Story

Executive Summary

  • Earnings: ROA of 0.22%, up 17 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.78% of loans (+45 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.97%, down 41 bps from a year ago.
  • Funding: loans stand at 89.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.22%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+3 bps YoY

Efficiency Ratio (YTD, annualized)

92.03%-359 bps YoY

Tier 1 Leverage Ratio

7.97%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%-0.03%0.10%-0.04%0.22%+17 bps
Return on Equity0.84%-0.46%1.45%-0.54%3.10%+227 bps
Net Interest Margin3.50%3.36%3.45%3.47%3.53%+3 bps
Efficiency Ratio95.61%98.39%95.54%99.57%92.03%-359 bps
Non-Interest Burden3.28%3.27%3.23%3.43%3.13%-14 bps
Growth
Asset Growth (YoY)11.66%9.02%14.18%8.58%0.25%-1,141 bps
Loan Growth (YoY)21.65%26.49%29.97%22.53%13.04%-861 bps
Deposit Growth (YoY)20.61%14.62%10.60%8.19%2.80%-1,781 bps
Asset Quality
Nonperforming Loans / Loans0.34%0.83%0.78%0.73%0.78%+45 bps
Net Charge-Offs / Loans0.12%0.07%0.05%0.00%0.00%-11 bps
Allowance / Loans0.69%0.67%0.63%0.64%0.64%-5 bps
Allowance Coverage of NPLs2.1x0.8x0.8x0.9x0.8x-1.2x
Capital
Tier 1 Leverage Ratio8.38%7.91%8.01%8.03%7.97%-41 bps
Total Risk-Based Capital12.45%12.24%11.80%11.75%11.78%-68 bps
Equity / Assets6.36%6.84%7.20%6.92%7.28%+92 bps
Liquidity & Funding
Loans / Deposits80.94%78.97%87.24%86.59%89.00%+806 bps
Liquid Assets / Assets2.56%2.27%2.16%2.13%2.16%-40 bps
CRE / Total Capitaln/a336%386%400%n/an/a