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Fidelity Bank of Texas

$100M-$1B Specialty: Commercial TX FDIC cert 21455

Waco, TX

2 branches across TX

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 219 in TX.
  • Deposits +23.5% year over year ($132.5M on the books).
  • Delinquency rate 0.05%.
  • Return on assets -0.55%.
  • Efficiency ratio 106.28% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.30% 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 219 in TX
View $100M-$1B leaderboard (TX) →

Fidelity Bank of Texas 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

  • + Credit Quality Leader: Top 3.6% in tier
  • + Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 7.5% in tier
  • - Credit Quality Pressure: Bottom 9.2% in tier
  • - Return on Assets 1.87% below tier average
Get updates when Fidelity Bank of Texas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $162.8M
+18.4% YoY -1.5% QoQ
-$223.7M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $109.1M
+17.3% YoY +6.1% QoQ
-$149.3M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $132.5M
+23.5% YoY -1.8% QoQ
-$194.2M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? -0.55%
-219.9% YoY -45.3% QoQ
-1.87% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Bottom 1.7% in tier
Net Interest Margin ? 4.32%
-26.2% YoY +0.0% QoQ
+0.34% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 106.28%
+26.3% YoY +6.0% QoQ
+41.80% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Bottom 1.9% in tier
Delinquency Rate ? 0.05%
-93.3% QoQ
-0.87% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 82.30%
-5.0% YoY +8.1% QoQ
+4.35% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
45%
Non-Interest-Bearing Deposit Share ? 22.45%
-6.3% YoY +5.1% QoQ
+0.42% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
56%
Nonperforming Asset Ratio ? 0.03%
-92.7% QoQ
-0.64% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 10.65%
-18.5% YoY -2.3% QoQ
-5.26% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.13%
-17.5% YoY +118.7% QoQ
-0.44% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
28%

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 (TX) National Avg Tier Percentile
Noninterest-Bearing 22.5%
-1.5pp YoY
+1.1pp QoQ
 +0.3pp 22.1% 29.2% 22.2% 56%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 9.0%
-5.7pp YoY
-1.3pp QoQ
 -2.6pp 11.6% 14.8% 12.5% 46%
CRE 49.8%
-4.7pp YoY
-0.7pp QoQ
 +10.3pp 39.5% 48.4% 41.4% 70%
1-4 Family 36.2%
+9.2pp YoY
+2.5pp QoQ
 +3.6pp 32.6% 25.8% 31.3% 64%
Consumer 1.6%
-0.2pp YoY
-0.1pp QoQ
 -2.5pp 4.1% 4.7% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 10.6%
-2.4pp YoY
-0.2pp QoQ
 -1.5pp 12.2% 12.6% 12.6% 44%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 38
+5 (+15.2%) YoY
-1 (-2.6%) QoQ
 -21 58 186 482 39%
Assets per Employee ($) $4.3M
+2.8% YoY
+1.1% QoQ
 -$3.2M $7.5M $10.1M $8.8M 7%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.6pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 38%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 13.55x
+1304.1% QoQ
 -10.60x 24.15x 18.82x 20.23x 85%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE -3.6%
-6.2pp YoY
-1.2pp QoQ
 -15.8pp 12.2% 13.2% 11.6% 2%
Cost of Funds (YTD) 2.0%
+0.6pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 68%
Net Income ($, YTD) $-446000.0
-248.7% YoY
— QoQ
 -$3.0M $2.6M $15.9M $40.4M 2%

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 (1)

Credit Quality Leader

growth
#25 of 659 • Top 3.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Efficiency Drag

risk
#28 of 361 • Bottom 7.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 106.28%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#117 of 1256 • Bottom 9.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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 (2 metrics)

482
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#482 of 2643 Top 18.2% in $100M-$1B
535
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#535 of 2633 Top 20.3% in $100M-$1B

Top Weaknesses (6 metrics)

2599
Return on Assets
profitability
Value: -0.55%
Peer Median: 1.32%
#2599 of 2643 Bottom 1.7% in $100M-$1B
2595
Efficiency Ratio
profitability
Value: 106.28%
Peer Median: 64.48%
#2595 of 2643 Bottom 1.9% in $100M-$1B
2218
Total Deposits
size
Value: $132.53M
Peer Median: $326.73M
#2218 of 2643 Bottom 16.1% in $100M-$1B
2177
Total Assets
size
Value: $162.84M
Peer Median: $386.57M
#2177 of 2643 Bottom 17.7% in $100M-$1B
2143
Tier 1 Capital Ratio
capital
Value: 10.65%
Peer Median: 15.91%
#2143 of 2643 Bottom 19.0% in $100M-$1B
2066
Total Loans
size
Value: $109.08M
Peer Median: $258.35M
#2066 of 2643 Bottom 21.9% in $100M-$1B
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