BlastPoint's Banking Scorecard
Fidelity Bank
West Memphis, AR
6 branches across AR
Fidelity Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.01% below tier average
- + Delinquency Rate 0.16% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.03% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$558.2M
+2.1% YoY
+0.9% QoQ
|
+$172.2M |
$386.1M
+0.5% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$260.7M
-0.5% YoY
-1.3% QoQ
|
+$5.0M |
$255.7M
+1.1% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$511.9M
+0.4% YoY
+3.3% QoQ
|
+$183.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.25%
+22.7% YoY
+13.8% QoQ
|
-0.02% |
1.27%
+12.9% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
2.90%
+8.8% YoY
+3.5% QoQ
|
-1.03% |
3.93%
+6.0% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.6% in tier |
| Efficiency Ratio ? |
59.28%
-8.1% YoY
-4.9% QoQ
|
-6.01% |
65.29%
-4.5% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.73%
+1.8% QoQ
|
-0.16% |
0.89%
+18.8% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
50.93%
-0.9% YoY
-4.5% QoQ
|
-25.71% |
76.64%
+0.8% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
Top 10.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.77%
+6.9% YoY
+4.6% QoQ
|
+2.75% |
22.02%
-1.0% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.34%
-0.4% QoQ
|
-0.30% |
0.64%
+19.7% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
47% |
| Tier 1 Capital Ratio ? |
12.68%
+4.8% YoY
+0.6% QoQ
|
-3.15% |
15.83%
+1.5% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.08%
+2.9% YoY
-72.7% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
37% |
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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.