Total Assets
$203M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$157M
Customer-funded liabilities
Net Loans
$21M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.68%
Return on Equity (ROE)
7.80%
Efficiency Ratio
49.58%
What the numbers say about The Fidelity State Bank and Trust Company
The Fidelity State Bank and Trust Company is an FDIC-insured institution (Certificate #10920) headquartered in Dodge City, Kansas, established in 1933. It holds $203M in total assets - 2,983rd of 4,313 FDIC-insured banks, $157M in customer deposits, and $21M in net loans. Its capital position: a Tier 1 ratio of 144.72%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.10% 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.
The Fidelity State Bank and Trust Company sits 90th of 188 banks headquartered in Kansas by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Kansas by total assets
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.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is The Fidelity State Bank and Trust Company's health grade?▼
The Fidelity State Bank and Trust Company 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 The Fidelity State Bank and Trust Company?▼
The Fidelity State Bank and Trust Company holds $203M in total assets and $157M in deposits, ranking 2,983rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Dodge City, Kansas.
Is my money safe at The Fidelity State Bank and Trust Company?▼
Yes, deposits at The Fidelity State Bank and Trust Company (Certificate #10920) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Fidelity State Bank and Trust Company's Tier 1 Capital Ratio?▼
The Fidelity State Bank and Trust Company has a Tier 1 Capital Ratio of 144.72%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Fidelity State Bank and Trust Company?▼
The Fidelity State Bank and Trust Company has a Texas Ratio of 0.10%. 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 The Fidelity State Bank and Trust Company?▼
The Fidelity State Bank and Trust Company has an Efficiency Ratio of 49.58%. 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 The Fidelity State Bank and Trust Company's profile as a depositor or analyst.
- The Fidelity State Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Fidelity State Bank and Trust Company against other Kansas banks before moving funds. Kansas 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.