FDIC Cert #10920 · Dodge City, Kansas · Est. 1933

The Fidelity State Bank and Trust Company - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$203M
Total assets
A
Health grade · Excellent
1.68%
Return on assets
144.7%
Tier 1 capital

Data updated July 2026

The verdict

The Fidelity State Bank and Trust Company earns a PlainBankData health grade of A (100/100), with well-capitalized at 144.72% Tier 1, profitable at 1.68% ROA, efficient (50% cost ratio).

#2,983
largest of 4,313 FDIC banks by assets
31st
percentile by asset size, nationally
144.72%
Tier 1 ratio - above the 10% well-capitalized line
82nd
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 10920 · KS A · 100/100

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

  • GRADE-A A (100/100)
  • TOP-DECILE #110/4307
  • PHOTO-FINISH First State Bank of… · IL
  • TIER1-WELL 144.7% Tier 1
  • TEXAS-CLEAN 0.1% Texas
  • ROA-STRONG 1.68% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: First State Bank of Beecher City, IL (±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 State Bank and Trust Com…

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

Cumberland Security… · KY · …100/100First Citizens State… · WI ·…100/100First State Bank of… · IL · …100/100Morgan Stanley Bank,… · UT ·…100/100The Fidelity State B… · KS ·…100/100The First Trust and… · IL · …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Fidelity State Bank and Trust Com… · July 2026

Call Report read for The Fidelity State Bank and Trust Com… in a high-failure state

The Fidelity State Bank and Trust Company (FDIC Cert #10920) 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 #110 of 4,307. Tier 1 capital prints at 144.72%, clearing the 10% well-capitalized line. The Texas Ratio is 0.10%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.68%. Balance-sheet scale is $203M, 2,983rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank of Beecher City (IL), 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 State Bank and Trust Com…

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

The Fidelity State Bank and Trust Company sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about The Fidelity State Bank and Trust Company's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

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

How The Fidelity State Bank and Trust Company'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 State Bank and Trust Company's composite health score
Tier 1 Capital Ratio (144.72%) 40/40
Return on Assets (ROA) (1.68%) 25/25
Texas Ratio (0.10%) 20/20
Efficiency Ratio (49.58%) 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

$203M

Total balance-sheet footings

Total Deposits

$157M

Customer-funded liabilities

Net Loans

$21M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 30% 60% 90% 120% 150% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 143.32% 144.72% 146.12%
Basel III capital ratios - The Fidelity State Bank and Trust Company

Where The Fidelity State Bank and Trust Company ranks

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

The Fidelity State Bank and Trust Company: 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. The Fidelity State Bank and Trust Com… 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 State Bank and Trust Company'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 State Bank and Trust Company's $203M falls in the highlighted band.

Capital & credit buffers at The Fidelity State Bank and Trust Com…

Tier 1 capital ratio
Well-capitalized 10%

144.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
144.72%
Texas Ratio
0.10%
Equity Capital
$45M

What these ratios mean →

Earnings posture at The Fidelity State Bank and Trust Com…

Return on Assets (ROA)
82nd percentile nationally
1.68%
Return on Equity (ROE)
7.80%
Efficiency Ratio
49.58%

What these mean →

Income & expense at The Fidelity State Bank and Trust Com…

$8M
Interest Income
$1M
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Fidelity State Bank and Trust Company reports a Texas Ratio of 0.10% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.10% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Fidelity State Bank and Trust Company on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($203M here), outside Kansas so the neighborhood is not state containment.

Uinta Bank $203M · WY The Citizens Bank of Cochran $203M · GA The Corner Stone Bank $203M · MO Valley Bank of Ronan $203M · MT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Fidelity State Bank and Trust Company (FDIC Cert #10920) - 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 State Bank and Trust Company Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%