FDIC Cert #21455 · Waco, Texas · Est. 1974

Fidelity Bank of Texas - FDIC Bank Health Profile

A community-scale look at Fidelity Bank of Texas's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$157M
Total assets
C
Health grade · Fair
0.65%
Return on assets
11.6%
Tier 1 capital

Data updated July 2026

The verdict

Fidelity Bank of Texas earns a PlainBankData health grade of C (56/100), with well-capitalized at 11.58% Tier 1, 0.65% ROA, 79% efficiency ratio.

#3,295
largest of 4,313 FDIC banks by assets
24th
percentile by asset size, nationally
11.58%
Tier 1 ratio - above the 10% well-capitalized line
22nd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 21455 · TX C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3979/4307
  • PHOTO-FINISH INSOUTH Bank · TN
  • TIER1-WELL 11.6% Tier 1
  • TEXAS-HEALTHY 19.9% Texas
  • ROA-THIN 0.65% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: INSOUTH Bank, TN (±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 of Texas

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

Morgan Stanley Bank,… · UT ·…100/100Fidelity Bank of Texas · TX …56/100First Service Bank · AR · ne…56/100First Western Bank &… · ND ·…56/100INSOUTH Bank · TN · near56/100Tower Community Bank · TN · …56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Fidelity Bank of Texas · July 2026

Call Report read for Fidelity Bank of Texas in a high-failure state

Fidelity Bank of Texas (FDIC Cert #21455) carries a PlainBankData health grade of C at 56/100, 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 #3,979 of 4,307. Tier 1 capital prints at 11.58%, clearing the 10% well-capitalized line. The Texas Ratio is 19.92%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.65%. Balance-sheet scale is $157M, 3,295th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is INSOUTH Bank (TN), 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 of Texas

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Fidelity Bank of Texas sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Fidelity Bank of Texas's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

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

How Fidelity Bank of Texas's 56/100 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 avg77/10056/100
Fidelity Bank of Texas's composite health score
Tier 1 Capital Ratio (11.58%) 28/40
Return on Assets (ROA) (0.65%) 14/25
Texas Ratio (19.92%) 10/20
Efficiency Ratio (78.53%) 4/15

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

Balance sheet at a glance

Total Assets

$157M

Total balance-sheet footings

Total Deposits

$126M

Customer-funded liabilities

Net Loans

$105M

Outstanding loan book

Net Income

$910K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.18% 11.58% 12.98%
Basel III capital ratios - Fidelity Bank of Texas

Where Fidelity Bank of Texas ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Fidelity Bank of Texas's score of 56/100 falls in the highlighted band.

Fidelity Bank of Texas: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 8th percentile higher than 8% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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 of Texas 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 of Texas'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 of Texas's $157M falls in the highlighted band.

Capital & credit buffers at Fidelity Bank of Texas

Tier 1 capital ratio
Well-capitalized 10%

11.58% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.58%
Texas Ratio
19.92%
Equity Capital
$25M

What these ratios mean →

Profitability metrics: Fidelity Bank of Texas

Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
3.78%
Efficiency Ratio
78.53%

What these mean →

Income & expense at Fidelity Bank of Texas

$9M
Interest Income
$426K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Fidelity Bank of Texas reports a Texas Ratio of 19.92% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

19.92% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Fidelity Bank of Texas on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($157M here), outside Texas so the neighborhood is not state containment.

Bank Plus $157M · IA Bank of Estes Park $157M · CO Perennial Bank $157M · MN Liberty State Bank $158M · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fidelity Bank of Texas (FDIC Cert #21455) - 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 of Texas Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%