FDIC Cert #11507 · Fuquay Varina, North Carolina · Est. 1909

The Fidelity Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$4.4B
Total assets
A
Health grade · Excellent
1.74%
Return on assets
15.8%
Tier 1 capital

Data updated July 2026

The verdict

The Fidelity Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 15.83% Tier 1, profitable at 1.74% ROA, efficient (50% cost ratio).

#322
largest of 4,313 FDIC banks by assets
93rd
percentile by asset size, nationally
15.83%
Tier 1 ratio - above the 10% well-capitalized line
84th
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 11507 · NC A · 100/100

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

  • GRADE-A A (100/100)
  • TOP-DECILE #13/4307
  • PHOTO-FINISH Global One Bank · TX
  • TIER1-WELL 15.8% Tier 1
  • TEXAS-CLEAN 1.6% Texas
  • ROA-STRONG 1.74% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Global One Bank, TX (±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 The Fidelity Bank

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

Cumberland Security… · KY · …100/100First Citizens State… · WI ·…100/100Global One Bank · TX · near100/100Morgan Stanley Bank,… · UT ·…100/100The Fidelity Bank · NC · thi…100/100Vermilion Valley Bank · IL ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Fidelity Bank · July 2026

What The Fidelity Bank's Call Report plate shows

The Fidelity Bank (FDIC Cert #11507) 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 #13 of 4,307. Tier 1 capital prints at 15.83%, clearing the 10% well-capitalized line. The Texas Ratio is 1.62%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.74%. Balance-sheet scale is $4.4B, 322nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Global One Bank (TX), 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 The Fidelity Bank

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

The Fidelity Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Fidelity Bank remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

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

How The Fidelity Bank'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
The Fidelity Bank's composite health score
Tier 1 Capital Ratio (15.83%) 40/40
Return on Assets (ROA) (1.74%) 25/25
Texas Ratio (1.62%) 20/20
Efficiency Ratio (49.59%) 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

$4.4B

Total balance-sheet footings

Total Deposits

$3.9B

Customer-funded liabilities

Net Loans

$2.8B

Outstanding loan book

Net Income

$74M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.43% 15.83% 17.23%
Basel III capital ratios - The Fidelity Bank

Where The Fidelity Bank ranks

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

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

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than all other reporting 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. The 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

The 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). The Fidelity Bank's $4.4B falls in the highlighted band.

Safety ratios for The Fidelity Bank

Tier 1 capital ratio
Well-capitalized 10%

15.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.83%
Texas Ratio
1.62%
Equity Capital
$433M

What these ratios mean →

Earnings posture at The Fidelity Bank

Return on Assets (ROA)
84th percentile nationally
1.74%
Return on Equity (ROE)
19.74%
Efficiency Ratio
49.59%

What these mean →

Income & expense at The Fidelity Bank

$202M
Interest Income
$38M
Non-Interest Income
$99M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Fidelity Bank reports a Texas Ratio of 1.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Fidelity Bank on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($4.4B here), outside North Carolina so the neighborhood is not state containment.

International Bank of Commerce $4.4B · TX Capital City Bank $4.4B · FL American Business Bank $4.4B · CA Southern First Bank $4.4B · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Fidelity Bank (FDIC Cert #11507) - 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.

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

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
Truist BankCharlotte $539.5B A 1.04%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
First Carolina BankRocky Mount $3.3B C 0.51%