FDIC Cert #35206 · Merrimack, New Hampshire · Est. 2000

Fidelity Personal Trust Company, FSB - FDIC Bank Health Profile

A community-scale look at Fidelity Personal Trust Company, FSB's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$64M
Total assets
A
Health grade · Excellent
27.95%
Return on assets
79.9%
Tier 1 capital

Data updated July 2026

The verdict

Fidelity Personal Trust Company, FSB earns a PlainBankData health grade of A (100/100), with well-capitalized at 79.86% Tier 1, profitable at 27.95% ROA, efficient (43% cost ratio).

#4,019
largest of 4,313 FDIC banks by assets
7th
percentile by asset size, nationally
79.86%
Tier 1 ratio - above the 10% well-capitalized line
100th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 35206 · NH A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-RICH

  • GRADE-A A (100/100)
  • TOP-DECILE #148/4307
  • PHOTO-FINISH John Deere Financial… · WI
  • TIER1-WELL 79.9% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 27.95% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-RICH 8/9 fields

Nearest health peer outside New Hampshire: John Deere Financial, f.s.b., WI (±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 Personal Trust Company, FSB

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

AB&T · GA · near100/100Fidelity Personal Tr… · NH ·…100/100John Deere Financial… · WI ·…100/100Morgan Stanley Bank,… · UT ·…100/100Petit Jean State Bank · AR ·…100/100The Settlers Bank · OH · near100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Fidelity Personal Trust Company, FSB · July 2026

Plate reading for Fidelity Personal Trust Company, FSB where failures stay rare

Fidelity Personal Trust Company, FSB (FDIC Cert #35206) carries a PlainBankData health grade of A at 100/100, 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 #148 of 4,307. Tier 1 capital prints at 79.86%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 27.95%. Balance-sheet scale is $64M, 4,019th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is John Deere Financial, f.s.b. (WI), 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 Personal Trust Company, FSB

Only 1 FAILURE resolution in New Hampshire since 2000

Fidelity Personal Trust Company, FSB is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST ALLIANCE BANK AND TRUST CO MANCHESTER, NH 2001 → SOUTHERN NEW HAMPSHIRE BANK
  • SEACOAST SAVINGS BANK DOVER, NH 1992 → FIRST S&LA OF NEW HAMPSH
  • THE SOMERSWORTH BANK SOMERSWORTH, NH 1992 → NEW DARTMOUTH BANK

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

How Fidelity Personal Trust Company, FSB's 100/100 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 avg77/100100/100
Fidelity Personal Trust Company, FSB's composite health score
Tier 1 Capital Ratio (79.86%) 40/40
Return on Assets (ROA) (27.95%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (43.15%) 15/15

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

Balance sheet at a glance

Total Assets

$64M

Total balance-sheet footings

Total Deposits

$500K

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$19M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 20% 40% 60% 80% 100% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 78.46% 79.86% 81.26%
Basel III capital ratios - Fidelity Personal Trust Company, FSB

Where Fidelity Personal Trust Company, FSB ranks

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

Fidelity Personal Trust Company, FSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 3% higher than 97% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Fidelity Personal Trust Company, FSB 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 Personal Trust Company, FSB'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 Personal Trust Company, FSB's $64M falls in the highlighted band.

Safety metrics: Fidelity Personal Trust Company, FSB

Tier 1 capital ratio
Well-capitalized 10%

79.86% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
79.86%
Texas Ratio
0.00%
Equity Capital
$61M

What these ratios mean →

Earnings posture at Fidelity Personal Trust Company, FSB

Return on Assets (ROA)
100th percentile nationally
27.95%
Return on Equity (ROE)
29.10%
Efficiency Ratio
43.15%

What these mean →

Income & expense at Fidelity Personal Trust Company, FSB

$3M
Interest Income
$40M
Non-Interest Income
$19M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Fidelity Personal Trust Company, FSB reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Fidelity Personal Trust Company, FSB on FDIC BankFind →

Top banks in New Hampshire by total assets

Largest banks headquartered in New Hampshire
  1. 1
    Mascoma Bank $3.0B

    Lebanon, NH · Grade C

  2. 2
    Bank of New Hampshire $2.7B

    Laconia, NH · Grade B

  3. 3
    Bank of New England $1.8B

    Salem, NH · Grade A

  4. 4
    Meredith Village Savings Bank $1.6B

    Meredith, NH · Grade C

  5. 5
    Merrimack County Savings Bank $1.4B

    Concord, NH · Grade C

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($64M here), outside New Hampshire so the neighborhood is not state containment.

Bank of Holyrood $65M · KS Oklahoma State Bank $64M · OK Grand Timber Bank $64M · MN Anchor State Bank $65M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Fidelity Personal Trust Company, FSB (FDIC Cert #35206) - 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 Personal Trust Company, FSB Call Report profile · FDIC Failed Bank List · New Hampshire FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New Hampshire

All New Hampshire banks →
BankAssetsGradeROA
Mascoma BankLebanon $3.0B C 0.52%
Bank of New HampshireLaconia $2.7B B 0.92%
Bank of New EnglandSalem $1.8B A 2.28%
Meredith Village Savings BankMeredith $1.6B C 0.43%
Merrimack County Savings BankConcord $1.4B C 0.27%
Franklin Savings BankFranklin $917M B 0.77%
Savings Bank of WalpoleWalpole $839M B 0.78%
Primary BankBedford $723M A 1.62%