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Fidelity Bank

$100M-$1B Specialty: Commercial AR FDIC cert 19644

West Memphis, AR

6 branches across AR

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
  • Deposits -3.6% year over year ($496.2M on the books).
  • Delinquency rate 0.75%.
  • Return on assets 1.28%.
  • Efficiency ratio 59.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 51.08% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 49 in AR
View $100M-$1B leaderboard (AR) →

Fidelity Bank has 2 strengths but faces 3 concerns

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

  • + Efficiency Ratio 5.25% below tier average
  • + Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 34.6% in tier
  • - Flatlined Growth: Bottom 42.7% in tier
  • - Net Interest Margin 1.03% below tier average
Get updates when Fidelity Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $546.8M
-0.9% YoY -2.0% QoQ
+$160.2M $386.6M
+1.2% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $253.5M
-2.9% YoY -2.8% QoQ
-$4.8M $258.3M
+1.7% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
59%
Total Deposits ? $496.2M
-3.6% YoY -3.0% QoQ
+$169.5M $326.7M
+0.7% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
79%
Return on Assets ? 1.28%
+21.5% YoY +2.6% QoQ
-0.04% 1.32%
+10.8% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 2.96%
+7.2% YoY +2.0% QoQ
-1.03% 3.99%
+5.0% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Bottom 8.8% in tier
Efficiency Ratio ? 59.23%
-7.7% YoY -0.1% QoQ
-5.25% 64.48%
-3.2% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? 0.75%
+2.9% QoQ
-0.17% 0.92%
+15.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 51.08%
+0.6% YoY +0.3% QoQ
-26.87% 77.95%
+1.0% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
Top 9.0% in tier
Non-Interest-Bearing Deposit Share ? 22.76%
-0.4% YoY -8.1% QoQ
+0.73% 22.03%
-0.6% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
58%
Nonperforming Asset Ratio ? 0.35%
+2.2% QoQ
-0.32% 0.67%
+16.4% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 13.07%
+6.3% YoY +3.1% QoQ
-2.84% 15.91%
+1.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
49%
Non-Interest Income / Assets ? 0.15%
+6.7% YoY +95.0% QoQ
-0.41% 0.57%
+7.6% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
35%

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 (AR) National Avg Tier Percentile
Noninterest-Bearing 22.8%
-0.1pp YoY
-2.0pp QoQ
 +0.6pp 22.1% 19.6% 22.2% 58%
Brokered Deposits n/a n/a 7.9% 7.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 8.9%
+1.3pp YoY
+0.6pp QoQ
 -2.7pp 11.6% 12.7% 12.5% 46%
CRE 60.3%
+1.3pp YoY
-0.4pp QoQ
 +20.7pp 39.5% 41.0% 41.4% 84%
1-4 Family 13.5%
-0.1pp YoY
+0.4pp QoQ
 -19.2pp 32.6% 28.1% 31.3% 16%
Consumer 1.2%
0.0pp YoY
+0.1pp QoQ
 -2.9pp 4.1% 4.5% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 13.1%
+0.8pp YoY
+0.4pp QoQ
 +0.9pp 12.2% 11.9% 12.6% 76%
Total Capital Ratio n/a n/a 19.9% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 62
-2 (-3.1%) YoY
0 QoQ
 +3 58 315 482 65%
Assets per Employee ($) $8.8M
+2.3% YoY
-2.0% QoQ
 +$1.3M $7.5M $6.7M $8.8M 78%
Branch Count 6
0 YoY
0 QoQ
 +1 4 25 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.8%
0.0pp QoQ
 -0.2pp 0.9% 1.1% 1.0% 64%
Allowance Coverage 1.84x
+0.7% QoQ
 -22.31x 24.15x 4.69x 20.23x 45%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 15.6%
-2.3pp YoY
0.0pp QoQ
 +3.4pp 12.2% 12.3% 11.6% 71%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 2.0% 1.7% 43%
Net Income ($, YTD) $3.5M
+22.7% YoY
— QoQ
 +$986K $2.6M $16.0M $40.4M 76%

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 (2)

Deposit Outflow

decline
#186 of 535 • Bottom 34.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Flatlined Growth

risk
#227 of 529 • Bottom 42.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.28%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

239
Loan-to-Deposit Ratio
liquidity
Value: 51.08%
Peer Median: 77.95%
#239 of 2643 Top 9.0% in $100M-$1B
546
Total Deposits
size
Value: $496.25M
Peer Median: $326.73M
#546 of 2643 Top 20.6% in $100M-$1B
639
Total Assets
size
Value: $546.82M
Peer Median: $386.57M
#639 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (1 metrics)

2412
Net Interest Margin
profitability
Value: 2.96%
Peer Median: 3.99%
#2412 of 2643 Bottom 8.8% in $100M-$1B
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