BlastPoint's Banking Scorecard

FIDELITY BANK

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

Designations: ✓ Community bank

New Orleans, LA

28 branches across LA · MS · FL

884 banks in the $1B-$10B peer group nationally 19 in LA

FIDELITY BANK has 1 strength but faces 5 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 0.66% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 6.3% in tier
- Deposit Outflow: Bottom 10.0% in tier
- Efficiency Drag: Bottom 52.7% in tier
- Return on Assets 1.26% below tier average
- Delinquency Rate 1.07% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$1.3B +2.3% YoY +0.7% QoQ	-$1.5B	$2.8B -0.1% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$770.1M -2.0% YoY +0.4% QoQ	-$1.2B	$2.0B +0.6% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Bottom 11.8% in tier
Total Deposits ?	$911.4M -0.7% YoY -0.4% QoQ	-$1.4B	$2.3B -0.3% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	Bottom 7.9% in tier
Return on Assets ?	0.11% -45.4% YoY +21.0% QoQ	-1.26%	1.37% +19.6% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	Bottom 3.1% in tier
Net Interest Margin ?	4.48% -3.3% YoY -3.1% QoQ	+0.66%	3.82% +6.9% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	Top 12.1% in tier
Efficiency Ratio ?	92.85% -0.6% YoY +0.8% QoQ	+31.79%	61.06% -4.6% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Bottom 1.9% in tier
Delinquency Rate ?	1.96% -0.2% YoY -11.0% QoQ	+1.07%	0.89% +14.1% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	Bottom 10.0% in tier
Loan-to-Deposit Ratio ?	84.50% -1.4% YoY +0.9% QoQ	+0.29%	84.20% +0.3% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	22.39% -11.8% YoY -1.0% QoQ	+1.10%	21.29% -2.5% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	1.30% -0.1% YoY -10.5% QoQ	+0.62%	0.67% +15.6% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	Bottom 13.8% in tier
Tier 1 Capital Ratio ?	28.70% -2.9% YoY -2.3% QoQ	+13.54%	15.16% +2.0% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Top 2.7% in tier
Non-Interest Income / Assets ?	0.31% +5.8% YoY -80.2% QoQ	+0.06%	0.26% +1.6% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Top 12.7% in tier

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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 (3)

Liquidity Overhang

risk

#12 of 174 • Bottom 6.3% 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: 28.70%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 84.50%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#14 of 130 • Bottom 10.0% in tier

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

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ

Efficiency Drag

risk

#40 of 74 • Bottom 52.7% in tier

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

Why this signature

Efficiency Ratio: 92.85%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Tier 1 Capital Ratio

capital

Value: 28.70%

Peer Median: 15.16%

#25 of 884 Top 2.7% in $1B-$10B

108

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.82%

#108 of 884 Top 12.1% in $1B-$10B

113

Non-Interest Income / Assets

revenue_mix

Value: 0.31%

Peer Median: 0.26%

#113 of 884 Top 12.7% in $1B-$10B

Top Weaknesses (7 metrics)

868

Efficiency Ratio

profitability

Value: 92.85%

Peer Median: 61.06%

#868 of 884 Bottom 1.9% in $1B-$10B

858

Return on Assets

profitability

Value: 0.11%

Peer Median: 1.37%

#858 of 884 Bottom 3.1% in $1B-$10B

815

Total Deposits

size

Value: $911.40M

Peer Median: $2.34B

#815 of 884 Bottom 7.9% in $1B-$10B

793

Delinquency Rate

credit_quality

Value: 1.96%

Peer Median: 0.89%

#793 of 880 Bottom 10.0% in $1B-$10B

781

Total Loans

size

Value: $770.09M

Peer Median: $1.96B

#781 of 884 Bottom 11.8% in $1B-$10B

763

Nonperforming Asset Ratio

credit_quality

Value: 1.30%

Peer Median: 0.67%

#763 of 884 Bottom 13.8% in $1B-$10B

698

Total Assets

size

Value: $1.27B

Peer Median: $2.82B

#698 of 884 Bottom 21.2% in $1B-$10B