BlastPoint's Banking Scorecard
Fidelity Bank & Trust
Dubuque, IA
36 branches across IA · IL · MN · WI
Fidelity Bank & Trust has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.51% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+30.2% YoY
+2.5% QoQ
|
-$233.1M |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$1.9B
+39.2% YoY
+4.4% QoQ
|
-$98.9M |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$2.2B
+25.9% YoY
+1.3% QoQ
|
-$190.5M |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
1.31%
+46.8% YoY
+23.9% QoQ
|
-0.05% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.73%
+25.6% YoY
+17.7% QoQ
|
-0.09% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
47.55%
-21.8% YoY
-17.0% QoQ
|
-13.51% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
85% |
| Delinquency Rate ? |
0.91%
-7.6% YoY
+142.4% QoQ
|
+0.02% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
86.68%
+10.6% YoY
+3.0% QoQ
|
+2.47% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
15.57%
+7.9% YoY
-4.2% QoQ
|
-5.72% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.98%
+47.1% YoY
+66.2% QoQ
|
+0.31% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
10.53%
-8.7% YoY
-0.3% QoQ
|
-4.63% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.0% in tier |
| Non-Interest Income / Assets ? |
0.08%
+5.1% YoY
-74.0% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
20% |
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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.