BlastPoint's Banking Scorecard

The Fidelity Bank

$1B-$10B Specialty: Commercial NC FDIC cert 11507

Fuquay Varina, NC

55 branches across NC · SC · VA

884 banks in the $1B-$10B peer group nationally 9 in NC

The Fidelity Bank shows strong momentum with 5 strengths and 8.3% YoY asset growth

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

+ Non-Interest-Bearing Deposit Share 21.95% above tier average
+ ROA 0.35% above tier average
+ Net Interest Margin 0.22% above tier average
+ Efficiency Ratio 9.14% below tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Total Assets ?	$4.5B +8.3% YoY +2.4% QoQ	+$1.7B	$2.8B -0.1% YoY	$92.4B +2.4% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$2.8B +7.5% YoY +1.1% QoQ	+$879.3M	$2.0B +0.6% YoY	$45.0B +8.2% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$4.0B +6.3% YoY +2.2% QoQ	+$1.7B	$2.3B -0.3% YoY	$72.8B +2.6% YoY	$4.8B +8.2% YoY	Top 14.8% in tier
Return on Assets ?	1.72% +8.1% YoY -1.1% QoQ	+0.35%	1.37% +19.6% YoY	0.99% +29.5% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	4.04% +4.0% YoY +1.2% QoQ	+0.22%	3.82% +6.9% YoY	3.42% +5.0% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	51.92% +0.1% YoY +4.7% QoQ	-9.14%	61.06% -4.6% YoY	69.88% -8.6% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	0.38% -13.2% YoY +42.0% QoQ	-0.51%	0.89% +14.1% YoY	0.64% +21.6% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	70.61% +1.1% YoY -1.1% QoQ	-13.60%	84.20% +0.3% YoY	79.67% +1.0% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	43.24% -0.5% YoY +1.4% QoQ	+21.95%	21.29% -2.5% YoY	18.50% +0.3% YoY	22.01% -1.2% YoY	Top 3.3% in tier
Nonperforming Asset Ratio ?	0.28% -3.3% YoY +64.6% QoQ	-0.39%	0.67% +15.6% YoY	0.45% +20.5% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	16.25% +10.8% YoY +2.7% QoQ	+1.09%	15.16% +2.0% YoY	20.13% +3.0% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.20% -1.4% YoY -76.8% QoQ	-0.06%	0.26% +1.6% YoY	0.21% +7.3% YoY	0.32% +4.1% YoY	72%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 43.24%

Peer Median: 21.29%

#30 of 884 Top 3.3% in $1B-$10B

132

Total Deposits

size

Value: $4.03B

Peer Median: $2.34B

#132 of 884 Top 14.8% in $1B-$10B

151

Total Assets

size

Value: $4.50B

Peer Median: $2.82B

#151 of 884 Top 17.0% in $1B-$10B

157

Loan-to-Deposit Ratio

liquidity

Value: 70.61%

Peer Median: 84.20%

#157 of 884 Top 17.6% in $1B-$10B

158

Tier 1 Capital Ratio

capital

Value: 16.25%

Peer Median: 15.16%

#158 of 884 Top 17.8% in $1B-$10B

171

Total Loans

size

Value: $2.84B

Peer Median: $1.96B

#171 of 884 Top 19.2% in $1B-$10B

171

Return on Assets

profitability

Value: 1.72%

Peer Median: 1.37%

#171 of 884 Top 19.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available