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The Fidelity Bank

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

Fuquay Varina, NC

57 branches across NC · GA · SC · VA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 9 in NC.
  • Deposits +7.9% year over year ($4.2B on the books).
  • Delinquency rate 0.42%.
  • Return on assets 1.73%.
  • Efficiency ratio 51.48% vs a 59.73% peer average.
  • Loan-to-deposit ratio 69.19% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 9 in NC
View $1B-$10B leaderboard (NC) →

The Fidelity Bank shows strong momentum with 5 strengths and 9.3% 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 24.00% above tier average
  • + ROA 0.34% above tier average
  • + Net Interest Margin 0.19% above tier average
  • + Efficiency Ratio 8.25% below tier average
  • + Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Fidelity Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $4.7B
+9.3% YoY +3.6% QoQ
+$1.9B $2.8B
-0.6% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $2.9B
+5.8% YoY +1.6% QoQ
+$925.3M $2.0B
-0.3% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
81%
Total Deposits ? $4.2B
+7.9% YoY +3.6% QoQ
+$1.9B $2.3B
-0.5% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
Top 13.7% in tier
Return on Assets ? 1.73%
+6.2% YoY +0.7% QoQ
+0.34% 1.39%
+17.0% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
80%
Net Interest Margin ? 4.06%
+3.7% YoY +0.5% QoQ
+0.19% 3.87%
+6.2% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 51.48%
-0.1% YoY -0.9% QoQ
-8.25% 59.73%
-12.6% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 0.42%
-25.8% YoY +10.2% QoQ
-0.44% 0.87%
+11.7% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 69.19%
-1.9% YoY -2.0% QoQ
-15.85% 85.04%
-0.1% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
Top 14.6% in tier
Non-Interest-Bearing Deposit Share ? 45.28%
+5.1% YoY +4.7% QoQ
+24.00% 21.27%
-1.5% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
Top 2.7% in tier
Nonperforming Asset Ratio ? 0.30%
-19.8% YoY +6.3% QoQ
-0.37% 0.67%
+11.7% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 16.56%
+11.9% YoY +1.9% QoQ
+1.72% 14.84%
-0.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.40%
-0.3% YoY +101.4% QoQ
-0.12% 0.53%
+2.5% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
70%

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 (NC) National Avg Tier Percentile
Noninterest-Bearing 45.3%
+2.2pp YoY
+2.0pp QoQ
 +23.9pp 21.4% 21.8% 22.2% 97%
Brokered Deposits n/a n/a 9.5% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
C&I 8.4%
-0.1pp YoY
+0.1pp QoQ
 -5.6pp 14.0% 10.5% 12.5% 36%
CRE 74.1%
-0.1pp YoY
+0.1pp QoQ
 +24.0pp 50.0% 46.3% 41.4% 92%
1-4 Family 15.3%
-0.1pp YoY
-0.2pp QoQ
 -11.1pp 26.4% 44.2% 31.3% 31%
Consumer 0.9%
+0.2pp YoY
0.0pp QoQ
 -3.8pp 4.7% 1.6% 5.0% 42%

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio 16.6%
+1.7pp YoY
+0.3pp QoQ
 +1.0pp 15.6% 22.8% 19.7% 81%
Leverage Ratio 11.5%
+0.9pp YoY
+0.2pp QoQ
 +0.2pp 11.3% 14.4% 12.6% 69%
Total Capital Ratio 17.8%
+1.8pp YoY
+0.3pp QoQ
 +1.1pp 16.7% 23.8% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 579
+22 (+3.9%) YoY
+16 (+2.8%) QoQ
 +265 313 5,103 482 88%
Assets per Employee ($) $8.1M
+5.2% YoY
+0.8% QoQ
 -$2.4M $10.5M $9.4M $8.8M 40%
Branch Count 55
+2 (+3.8%) YoY
0 QoQ
 +35 20 170 18 94%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.1% 0.4% 10%
Nonaccrual 0.4%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 0.8% 0.7% 1.0% 42%
Allowance Coverage 3.03x
+40.7% YoY
-8.7% QoQ
 -15.68x 18.71x 3.36x 20.23x 64%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 58%

Profitability

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
ROE 17.4%
-2.1pp YoY
0.0pp QoQ
 +4.8pp 12.6% 8.7% 11.6% 84%
Cost of Funds (YTD) 0.8%
-0.1pp YoY
0.0pp QoQ
 -1.1pp 1.9% 1.8% 1.7% 3%
Net Income ($, YTD) $39.1M
+16.0% YoY
— QoQ
 +$19.9M $19.2M $518.0M $40.4M 88%

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

25
Non-Interest-Bearing Deposit Share
funding
Value: 45.28%
Peer Median: 21.27%
#25 of 885 Top 2.7% in $1B-$10B
122
Total Deposits
size
Value: $4.17B
Peer Median: $2.32B
#122 of 885 Top 13.7% in $1B-$10B
130
Loan-to-Deposit Ratio
liquidity
Value: 69.19%
Peer Median: 85.04%
#130 of 885 Top 14.6% in $1B-$10B
140
Total Assets
size
Value: $4.66B
Peer Median: $2.79B
#140 of 885 Top 15.7% in $1B-$10B
147
Tier 1 Capital Ratio
capital
Value: 16.56%
Peer Median: 14.84%
#147 of 885 Top 16.5% in $1B-$10B
169
Total Loans
size
Value: $2.89B
Peer Median: $1.96B
#169 of 885 Top 19.0% in $1B-$10B
182
Return on Assets
profitability
Value: 1.73%
Peer Median: 1.39%
#182 of 885 Top 20.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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