FDIC Cert #28316 · New Orleans, Louisiana · Est. 1908

FIDELITY BANK - FDIC Bank Health Profile

A community-scale look at FIDELITY BANK's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.3B
Total assets
C
Health grade · Fair
0.09%
Return on assets
29.4%
Tier 1 capital

Data updated July 2026

The verdict

FIDELITY BANK earns a PlainBankData health grade of C (63/100), with well-capitalized at 29.38% Tier 1, 0.09% ROA, 92% efficiency ratio.

#866
largest of 4,313 FDIC banks by assets
80th
percentile by asset size, nationally
29.38%
Tier 1 ratio - above the 10% well-capitalized line
6th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 28316 · LA C · 63/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (63/100)
  • LOWER-Q #3554/4307
  • PHOTO-FINISH Adirondack Bank · NY
  • TIER1-WELL 29.4% Tier 1
  • TEXAS-CLEAN 6.7% Texas
  • ROA-THIN 0.09% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Adirondack Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around FIDELITY BANK

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Adirondack Bank · NY · near63/100Armstrong County Bui… · PA ·…63/100FIDELITY BANK · LA · this ba…63/100Maple City Savings B… · NY ·…63/100Warsaw Federal Savin… · OH ·…63/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around FIDELITY BANK · July 2026

What FIDELITY BANK's Call Report plate shows

FIDELITY BANK (FDIC Cert #28316) carries a PlainBankData health grade of C at 63/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,554 of 4,307. Tier 1 capital prints at 29.38%, clearing the 10% well-capitalized line. The Texas Ratio is 6.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.09%. Balance-sheet scale is $1.3B, 866th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Adirondack Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around FIDELITY BANK

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

FIDELITY BANK's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; FIDELITY BANK remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How FIDELITY BANK's 63/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10063/100
FIDELITY BANK's composite health score
Tier 1 Capital Ratio (29.38%) 40/40
Return on Assets (ROA) (0.09%) 7/25
Texas Ratio (6.66%) 16/20
Efficiency Ratio (92.13%) 0/15

63 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.3B

Total balance-sheet footings

Total Deposits

$915M

Customer-funded liabilities

Net Loans

$767M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 27.98% 29.38% 30.78%
Basel III capital ratios - FIDELITY BANK

Where FIDELITY BANK ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FIDELITY BANK's score of 63/100 falls in the highlighted band.

FIDELITY BANK: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

63 17th percentile higher than 17% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. FIDELITY BANK 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

FIDELITY BANK's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). FIDELITY BANK's $1.3B falls in the highlighted band.

Safety ratios for FIDELITY BANK

Tier 1 capital ratio
Well-capitalized 10%

29.38% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
29.38%
Texas Ratio
6.66%
Equity Capital
$247M

What these ratios mean →

Profitability metrics: FIDELITY BANK

Return on Assets (ROA)
6th percentile nationally
0.09%
Return on Equity (ROE)
0.46%
Efficiency Ratio
92.13%

What these mean →

Income & expense at FIDELITY BANK

$70M
Interest Income
$20M
Non-Interest Income
$67M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. FIDELITY BANK reports a Texas Ratio of 6.66% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View FIDELITY BANK on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside Louisiana so the neighborhood is not state containment.

First Southern National Bank $1.3B · KY First Oklahoma Bank $1.3B · OK nbkc bank $1.3B · KS The First National Bank of Hutchinson $1.3B · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) FIDELITY BANK (FDIC Cert #28316) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

FIDELITY BANK Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%