BlastPoint's Banking Scorecard

FIDELITY BANK

$1B-$10B Specialty: Commercial LA FDIC cert 28316

Designations: ✓ Community bank

New Orleans, LA

27 branches across LA · MS · FL

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 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
Deposits -6.7% year over year ($857.6M on the books).
Delinquency rate 1.86%.
Return on assets 0.13%.
Efficiency ratio 91.78% vs a 59.73% peer average.
Loan-to-deposit ratio 86.20% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 18 in LA

View $1B-$10B leaderboard (LA) →

FIDELITY BANK has 1 strength but faces 6 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

+ Net Interest Margin 0.53% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 1.5% in tier
- Liquidity Overhang: Bottom 4.1% in tier
- Efficiency Drag: Bottom 51.7% in tier
- Capital Constraint: Bottom 90.6% in tier
- Return on Assets 1.26% below tier average
- Delinquency Rate 1.00% above tier average

Get updates when FIDELITY BANK releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$1.2B -1.6% YoY -3.2% QoQ	-$1.6B	$2.8B -0.6% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	19%
Total Loans ?	$739.2M -7.1% YoY -4.0% QoQ	-$1.2B	$2.0B -0.3% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	Bottom 9.7% in tier
Total Deposits ?	$857.6M -6.7% YoY -5.9% QoQ	-$1.5B	$2.3B -0.5% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	Bottom 4.3% in tier
Return on Assets ?	0.13% -45.4% YoY +16.5% QoQ	-1.26%	1.39% +17.0% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	Bottom 2.4% in tier
Net Interest Margin ?	4.40% -2.4% YoY -1.8% QoQ	+0.53%	3.87% +6.2% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	91.78% -1.1% YoY -1.2% QoQ	+32.05%	59.73% -12.6% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	Bottom 1.6% in tier
Delinquency Rate ?	1.86% +13.7% YoY -4.9% QoQ	+1.00%	0.87% +11.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	Bottom 10.3% in tier
Loan-to-Deposit Ratio ?	86.20% -0.4% YoY +2.0% QoQ	+1.16%	85.04% -0.1% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	20.33% -18.6% YoY -9.2% QoQ	-0.95%	21.27% -1.5% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	53%
Nonperforming Asset Ratio ?	1.37% +16.8% YoY +5.8% QoQ	+0.70%	0.67% +11.7% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	Bottom 12.5% in tier
Tier 1 Capital Ratio ?	29.16% -0.8% YoY +1.6% QoQ	+14.32%	14.84% -0.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	Top 2.4% in tier
Non-Interest Income / Assets ?	0.57% -21.1% YoY +81.8% QoQ	+0.04%	0.53% +2.5% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	85%

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 (LA)	National Avg	Tier Percentile
Noninterest-Bearing	20.3% -4.7pp YoY -2.1pp QoQ	-1.0pp	21.4%	24.6%	22.2%	53%
Brokered Deposits	5.4% -5.3pp YoY -5.6pp QoQ	-4.0pp	9.5%	6.7%	8.5%	51%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	11.7% +1.6pp YoY +1.1pp QoQ	-2.3pp	14.0%	12.6%	12.5%	54%
CRE	36.8% +2.8pp YoY +0.7pp QoQ	-13.2pp	50.0%	44.9%	41.4%	18%
1-4 Family	50.3% -5.7pp YoY -3.2pp QoQ	+23.8pp	26.4%	34.2%	31.3%	90%
Consumer	2.0% +1.4pp YoY +1.4pp QoQ	-2.7pp	4.7%	4.2%	5.0%	64%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	29.2% -0.2pp YoY +0.5pp QoQ	+13.6pp	15.6%	22.5%	19.7%	97%
Leverage Ratio	20.3% +0.1pp YoY +0.1pp QoQ	+9.0pp	11.3%	13.4%	12.6%	98%
Total Capital Ratio	30.0% -0.2pp YoY +0.5pp QoQ	+13.3pp	16.7%	23.6%	20.8%	97%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	210 -114 (-35.2%) YoY -1 (-0.5%) QoQ	-104	313	114	482	44%
Assets per Employee ($)	$5.8M +51.7% YoY -2.7% QoQ	-$4.6M	$10.5M	$6.8M	$8.8M	10%
Branch Count	28 -5 (-15.2%) YoY 0 QoQ	+8	20	9	18	80%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	28%
Nonaccrual	1.9% +0.2pp YoY -0.1pp QoQ	+1.0pp	0.8%	1.4%	1.0%	91%
Allowance Coverage	0.49x +4.7% YoY +17.1% QoQ	-18.22x	18.71x	27.36x	20.23x	7%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	0.0pp	0.3%	0.1%	0.2%	83%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	0.7% -0.5pp YoY +0.1pp QoQ	-11.9pp	12.6%	12.5%	11.6%	2%
Cost of Funds (YTD)	1.6% +0.1pp YoY +0.1pp QoQ	-0.3pp	1.9%	1.7%	1.7%	33%
Net Income ($, YTD)	$794,000 -44.9% YoY — QoQ	-$18.4M	$19.2M	$5.1M	$40.4M	2%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (4)

Deposit Outflow

decline

#3 of 131 • Bottom 1.5% in tier

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

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#8 of 172 • Bottom 4.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 29.16%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 86.20%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#32 of 60 • Bottom 51.7% in tier

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

Why this signature

Efficiency Ratio: 91.78%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Capital Constraint

risk

#30 of 32 • Bottom 90.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 86.20%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 29.16%

(Tier: 14.84%, National: 17.09%)

better than tier avg

32 of 32 Mid-Market banks match · 143 nationally

→ Stable -5 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 29.16%

Peer Median: 14.84%

#22 of 885 Top 2.4% in $1B-$10B

138

Non-Interest Income / Assets

revenue_mix

Value: 0.57%

Peer Median: 0.53%

#138 of 885 Top 15.5% in $1B-$10B

144

Net Interest Margin

profitability

Value: 4.40%

Peer Median: 3.87%

#144 of 885 Top 16.2% in $1B-$10B

Top Weaknesses (7 metrics)

872

Efficiency Ratio

profitability

Value: 91.78%

Peer Median: 59.73%

#872 of 885 Bottom 1.6% in $1B-$10B

865

Return on Assets

profitability

Value: 0.13%

Peer Median: 1.39%

#865 of 885 Bottom 2.4% in $1B-$10B

848

Total Deposits

size

Value: $857.62M

Peer Median: $2.32B

#848 of 885 Bottom 4.3% in $1B-$10B

800

Total Loans

size

Value: $739.23M

Peer Median: $1.96B

#800 of 885 Bottom 9.7% in $1B-$10B

792

Delinquency Rate

credit_quality

Value: 1.86%

Peer Median: 0.87%

#792 of 882 Bottom 10.3% in $1B-$10B

775

Nonperforming Asset Ratio

credit_quality

Value: 1.37%

Peer Median: 0.67%

#775 of 885 Bottom 12.5% in $1B-$10B

717

Total Assets

size

Value: $1.23B

Peer Median: $2.79B

#717 of 885 Bottom 19.1% in $1B-$10B