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The Fidelity State Bank and Trust Company

$100M-$1B Specialty: Agricultural KS FDIC cert 10920

Dodge City, KS

3 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits -2.8% year over year ($147.2M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 2.17%.
  • Efficiency ratio 44.59% vs a 64.48% peer average.
  • Loan-to-deposit ratio 13.52% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

The Fidelity State Bank and Trust Company has 5 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 39.8% in tier
  • + Revenue Diversifier: Top 44.5% in tier
  • + Efficiency Ratio 19.89% below tier average
  • + Non-Interest-Bearing Deposit Share 14.54% above tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 14.6% in tier
  • - Credit Quality Pressure: Bottom 40.5% in tier
  • - Liquidity Overhang: Bottom 49.6% in tier
  • - Net Interest Margin 0.21% below tier average
Get updates when The Fidelity State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $194.8M
-0.9% YoY -2.4% QoQ
-$191.8M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $19.9M
-2.6% YoY +1.4% QoQ
-$238.4M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Bottom 0.6% in tier
Total Deposits ? $147.2M
-2.8% YoY -3.3% QoQ
-$179.6M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 2.17%
+9.8% YoY -11.8% QoQ
+0.85% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Top 9.3% in tier
Net Interest Margin ? 3.78%
+0.7% YoY +4.3% QoQ
-0.21% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 44.59%
+2.8% YoY -1.4% QoQ
-19.89% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
Top 8.3% in tier
Delinquency Rate ? 0.32%
+38.0% QoQ
-0.60% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 13.52%
+0.2% YoY +4.9% QoQ
-64.43% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
Top 0.6% in tier
Non-Interest-Bearing Deposit Share ? 36.57%
-5.8% YoY +2.0% QoQ
+14.54% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
Top 7.9% in tier
Nonperforming Asset Ratio ? 0.03%
+43.4% QoQ
-0.64% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 153.07%
+8.8% YoY +0.4% QoQ
+137.16% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
Top 0.3% in tier
Non-Interest Income / Assets ? 0.33%
+14.0% YoY +105.9% QoQ
-0.24% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Noninterest-Bearing 36.6%
-2.2pp YoY
+0.7pp QoQ
 +14.4pp 22.1% 22.3% 22.2% 92%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 8.4%
+0.2pp YoY
+0.4pp QoQ
 -3.2pp 11.6% 12.6% 12.5% 43%
CRE n/a n/a 39.5% 28.8% 41.4% n/a
1-4 Family 4.4%
-0.4pp YoY
-0.3pp QoQ
 -28.2pp 32.6% 26.7% 31.3% 4%
Consumer 1.2%
-0.5pp YoY
-0.2pp QoQ
 -2.9pp 4.1% 4.6% 5.0% 33%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 153.1%
+12.4pp YoY
+0.6pp QoQ
 +134.2pp 18.8% 23.3% 19.7% 99%
Leverage Ratio 23.6%
+1.1pp YoY
+1.6pp QoQ
 +11.4pp 12.2% 12.6% 12.6% 98%
Total Capital Ratio 154.3%
+12.4pp YoY
+0.6pp QoQ
 +134.4pp 19.9% 24.4% 20.8% 99%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 28
+1 (+3.7%) YoY
-2 (-6.7%) QoQ
 -31 58 70 482 24%
Assets per Employee ($) $7.0M
-4.4% YoY
+4.6% QoQ
 -$562K $7.5M $7.1M $8.8M 51%
Branch Count 3
0 YoY
0 QoQ
 -2 4 6 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.3pp YoY
+0.1pp QoQ
 0.0pp 0.3% 0.4% 0.4% 75%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 9.83x
-95.6% YoY
-29.7% QoQ
 -14.33x 24.15x 22.44x 20.23x 81%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 9.6%
+0.4pp YoY
-1.5pp QoQ
 -2.6pp 12.2% 14.3% 11.6% 34%
Cost of Funds (YTD) 0.7%
+0.1pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.6% 1.7% 4%
Net Income ($, YTD) $2.2M
+12.0% YoY
— QoQ
 -$390K $2.6M $3.7M $40.4M 56%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#264 of 661 • Top 39.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.17%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Revenue Diversifier

growth
#295 of 661 • Top 44.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.33%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 2.17%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Deposit Outflow

decline
#79 of 535 • Bottom 14.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#509 of 1256 • Bottom 40.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.32%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#369 of 742 • Bottom 49.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 153.07%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 13.52%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

8
Tier 1 Capital Ratio
capital
Value: 153.07%
Peer Median: 15.91%
#8 of 2643 Top 0.3% in $100M-$1B
17
Loan-to-Deposit Ratio
liquidity
Value: 13.52%
Peer Median: 77.95%
#17 of 2643 Top 0.6% in $100M-$1B
209
Non-Interest-Bearing Deposit Share
funding
Value: 36.57%
Peer Median: 22.03%
#209 of 2643 Top 7.9% in $100M-$1B
221
Efficiency Ratio
profitability
Value: 44.59%
Peer Median: 64.48%
#221 of 2643 Top 8.3% in $100M-$1B
248
Return on Assets
profitability
Value: 2.17%
Peer Median: 1.32%
#248 of 2643 Top 9.3% in $100M-$1B
486
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#486 of 2643 Top 18.4% in $100M-$1B
625
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#625 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (2 metrics)

2629
Total Loans
size
Value: $19.90M
Peer Median: $258.35M
#2629 of 2643 Bottom 0.6% in $100M-$1B
2094
Total Deposits
size
Value: $147.16M
Peer Median: $326.73M
#2094 of 2643 Bottom 20.8% in $100M-$1B
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