Total Assets
$64M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Fidelity Personal Trust Company, FSB — FDIC Bank Health Profile
Merrimack, New Hampshire · Est. 2000. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) Savings bank FDIC Cert #35206 New York Region
D
Health grade
Weak
Score: 40/100
Basel III capital ratios — Fidelity Personal Trust Company, FSB
Total Deposits
$500K
Customer-funded liabilities
Net Loans
—
Outstanding loan book
Net Income
$20M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
0.00% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
0.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$61M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
28.39%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
29.52%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
42.85%
Income & Expense Breakdown
$3M
Interest Income
$41M
Non-Interest Income
$19M
Non-Interest Expense
FDIC Deposit Insurance
Fidelity Personal Trust Company, FSB is FDIC-insured (Certificate #35206). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Fidelity Personal Trust Company, FSB
Fidelity Personal Trust Company, FSB is an FDIC-insured institution (Certificate #35206) headquartered in Merrimack, New Hampshire, established in 2000. The bank currently holds $64M in total assets and $500K in customer deposits, with — deployed as loans. It operates as a Nationally chartered (OCC) (Savings bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Fidelity Personal Trust Company, FSB reports a Tier 1 Capital Ratio of 0.00% — below the 6% "adequately capitalized" minimum set by federal regulators and a Texas Ratio of —. Equity capital stands at $61M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 28.39% and a Return on Equity of 29.52%, with an Efficiency Ratio of 42.85% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of D (40/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Fidelity Personal Trust Company, FSB is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in New Hampshire by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Fidelity Personal Trust Company, FSB (FDIC Cert #35206) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in New Hampshire
All New Hampshire banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Mascoma Bank Lebanon | $3.0B | D | 0.52% |
| Bank of New Hampshire Laconia | $2.7B | C | 0.92% |
| Bank of New England Salem | $1.8B | D | 2.28% |
| Meredith Village Savings Bank Meredith | $1.6B | D | 0.43% |
| Merrimack County Savings Bank Concord | $1.4B | D | 0.27% |
| Franklin Savings Bank Franklin | $917M | C | 0.77% |
| Savings Bank of Walpole Walpole | $839M | C | 0.78% |
| Primary Bank Bedford | $723M | A | 1.62% |
Frequently Asked Questions
What is Fidelity Personal Trust Company, FSB's health grade? ▼
Fidelity Personal Trust Company, FSB receives a health grade of D (40/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Fidelity Personal Trust Company, FSB? ▼
Fidelity Personal Trust Company, FSB holds $64M in total assets and $500K in deposits. It is headquartered in Merrimack, New Hampshire.
Is my money safe at Fidelity Personal Trust Company, FSB? ▼
Yes. Fidelity Personal Trust Company, FSB is FDIC-insured (Certificate #35206). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Fidelity Personal Trust Company, FSB's Tier 1 Capital Ratio? ▼
Fidelity Personal Trust Company, FSB has a Tier 1 Capital Ratio of 0.00%. The federal "well-capitalized" threshold is 10%. This bank is below the 6% minimum for "adequately capitalized" status.
How efficient is Fidelity Personal Trust Company, FSB? ▼
Fidelity Personal Trust Company, FSB has an Efficiency Ratio of 42.85%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.