BlastPoint's Banking Scorecard
Fidelity Bank of Texas
Waco, TX
2 branches across TX
Fidelity Bank of Texas has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.39% above tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.3% in tier
- - Return on Assets 1.65% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$165.4M
+30.3% YoY
+5.3% QoQ
|
-$220.7M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$102.8M
+25.8% YoY
-1.9% QoQ
|
-$153.0M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$134.9M
+38.6% YoY
+6.9% QoQ
|
-$193.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
-0.38%
-206.5% YoY
-158.1% QoQ
|
-1.65% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.0% in tier |
| Net Interest Margin ? |
4.32%
-15.9% YoY
-23.1% QoQ
|
+0.39% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
100.24%
+16.2% YoY
+27.7% QoQ
|
+34.96% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate ? |
0.69%
-85.6% QoQ
|
-0.19% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
76.16%
-9.3% YoY
-8.2% QoQ
|
-0.48% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
21.36%
-17.7% YoY
-3.4% QoQ
|
-0.66% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.43%
-86.6% QoQ
|
-0.21% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
10.90%
-16.0% YoY
-5.9% QoQ
|
-4.93% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.06%
-35.1% YoY
-78.2% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
25% |
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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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.