BlastPoint's Banking Scorecard
Fidelity Bank & Trust
Dubuque, IA
36 branches across IA · IL · MN · WI
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 27 in IA.
- Deposits +23.4% year over year ($2.1B on the books).
- Delinquency rate 1.28%.
- Return on assets 1.30%.
- Efficiency ratio 49.73% vs a 59.73% peer average.
- Loan-to-deposit ratio 88.57% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Fidelity Bank & Trust has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.00% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Net Interest Margin 0.23% below tier average
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+28.6% YoY
+0.8% QoQ
|
-$189.9M |
$2.8B
-0.6% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$1.9B
+38.7% YoY
+1.2% QoQ
|
-$75.0M |
$2.0B
-0.3% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$2.1B
+23.4% YoY
-1.0% QoQ
|
-$187.0M |
$2.3B
-0.5% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
1.30%
+34.5% YoY
-0.9% QoQ
|
-0.09% |
1.39%
+17.0% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.64%
+20.1% YoY
-2.4% QoQ
|
-0.23% |
3.87%
+6.2% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
49.73%
-15.9% YoY
+4.6% QoQ
|
-10.00% |
59.73%
-12.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
1.28%
+9.4% YoY
+40.2% QoQ
|
+0.41% |
0.87%
+11.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
88.57%
+12.4% YoY
+2.2% QoQ
|
+3.54% |
85.04%
-0.1% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
15.60%
+7.8% YoY
+0.2% QoQ
|
-5.68% |
21.27%
-1.5% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.24%
+58.3% YoY
+26.8% QoQ
|
+0.57% |
0.67%
+11.7% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.9% in tier |
| Tier 1 Capital Ratio ? |
10.67%
-7.9% YoY
+1.3% QoQ
|
-4.17% |
14.84%
-0.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.8% in tier |
| Non-Interest Income / Assets ? |
0.16%
+4.7% YoY
+108.9% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
21% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.6%
+1.1pp YoY 0.0pp QoQ |
-5.8pp | 21.4% | 17.8% | 22.2% | 30% |
| Brokered Deposits |
0.3%
0.0pp QoQ |
-9.1pp | 9.5% | 6.0% | 8.5% | 9% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.5%
+1.8pp YoY +0.4pp QoQ |
+0.5pp | 14.0% | 12.8% | 12.5% | 65% |
| CRE |
18.7%
-4.0pp YoY -0.2pp QoQ |
-31.3pp | 50.0% | 28.3% | 41.4% | 3% |
| 1-4 Family |
16.7%
+2.1pp YoY +0.8pp QoQ |
-9.7pp | 26.4% | 23.0% | 31.3% | 35% |
| Consumer |
1.5%
-0.1pp YoY 0.0pp QoQ |
-3.2pp | 4.7% | 2.9% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.7%
-0.9pp YoY +0.1pp QoQ |
-4.9pp | 15.6% | 15.4% | 19.7% | 5% |
| Leverage Ratio |
9.0%
-0.5pp YoY +0.1pp QoQ |
-2.3pp | 11.3% | 12.4% | 12.6% | 11% |
| Total Capital Ratio |
11.7%
-1.1pp YoY +0.1pp QoQ |
-5.0pp | 16.7% | 16.5% | 20.8% | 6% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
291
+39 (+15.5%) YoY +4 (+1.4%) QoQ |
-23 | 313 | 64 | 482 | 64% |
| Assets per Employee ($) |
$8.9M
+11.4% YoY -0.6% QoQ |
-$1.5M | $10.5M | $8.9M | $8.8M | 53% |
| Branch Count |
36
+6 (+20.0%) YoY 0 QoQ |
+16 | 20 | 5 | 18 | 87% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY -0.7pp QoQ |
0.0pp | 0.2% | 0.4% | 0.4% | 80% |
| Nonaccrual |
1.2%
+0.2pp YoY +1.1pp QoQ |
+0.3pp | 0.8% | 1.0% | 1.0% | 78% |
| Allowance Coverage |
0.86x
-27.4% YoY -27.7% QoQ |
-17.86x | 18.71x | 18.97x | 20.23x | 18% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
+3.1pp YoY -0.2pp QoQ |
+0.1pp | 12.6% | 12.8% | 11.6% | 54% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.8% | 1.7% | 51% |
| Net Income ($, YTD) |
$16.7M
+73.7% YoY — QoQ |
-$2.6M | $19.2M | $4.0M | $40.4M | 64% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.