Total Assets
$64M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$500K
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$19M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
100th percentile nationally
27.95%
Return on Equity (ROE)
29.10%
Efficiency Ratio
43.15%
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. It holds $64M in total assets - 4,019th of 4,313 FDIC-insured banks, $500K in customer deposits, and - in net loans. Its capital position: a Tier 1 ratio of 79.86%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Fidelity Personal Trust Company, FSB is a community-scale institution -- 17th of 17 FDIC-insured banks headquartered in New Hampshire by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$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.
Top banks in New Hampshire by total assets
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.
Other banks in New Hampshire
All New Hampshire banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Fidelity Personal Trust Company, FSB's health grade?▼
Fidelity Personal Trust Company, FSB receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Fidelity Personal Trust Company, FSB?▼
Fidelity Personal Trust Company, FSB holds $64M in total assets and $500K in deposits, ranking 4,019th of 4,313 FDIC-insured banks by asset size. It is headquartered in Merrimack, New Hampshire.
Is my money safe at Fidelity Personal Trust Company, FSB?▼
Yes, deposits at Fidelity Personal Trust Company, FSB (Certificate #35206) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Fidelity Personal Trust Company, FSB's Tier 1 Capital Ratio?▼
Fidelity Personal Trust Company, FSB has a Tier 1 Capital Ratio of 79.86%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Fidelity Personal Trust Company, FSB?▼
Fidelity Personal Trust Company, FSB has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Fidelity Personal Trust Company, FSB?▼
Fidelity Personal Trust Company, FSB has an Efficiency Ratio of 43.15%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Fidelity Personal Trust Company, FSB's profile as a depositor or analyst.
- Fidelity Personal Trust Company, FSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Fidelity Personal Trust Company, FSB against other New Hampshire banks before moving funds. New Hampshire banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.