BlastPoint's Banking Scorecard
Fidelity Federal Savings and Loan Association of Delaware
$100M-$1B
Specialty: Mortgage
OH
FDIC cert 29521
Delaware, OH
2 branches across OH
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 96 in OH.
- Deposits +3.4% year over year ($99.0M on the books).
- Delinquency rate 0.04%.
- Return on assets 0.16%.
- Efficiency ratio 92.49% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.02% 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
96 in OH
View $100M-$1B leaderboard (OH) →
Fidelity Federal Savings and Loan Association of Delaware 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
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.16% below tier average
- - Net Interest Margin 1.34% below tier average
- - Efficiency Ratio 28.01% above tier average
- - Non-Interest-Bearing Deposit Share 18.61% below tier average
- - Non-Interest Income / Assets 0.51% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$131.6M
+1.1% YoY
+0.1% QoQ
|
-$255.0M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.6% in tier |
| Total Loans ? |
$80.2M
+4.2% YoY
+4.3% QoQ
|
-$178.1M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.4% in tier |
| Total Deposits ? |
$99.0M
+3.4% YoY
+0.2% QoQ
|
-$227.7M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.1% in tier |
| Return on Assets ? |
0.16%
+348.6% YoY
+76.5% QoQ
|
-1.16% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.9% in tier |
| Net Interest Margin ? |
2.65%
+7.2% YoY
+2.5% QoQ
|
-1.34% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio ? |
92.49%
-10.8% YoY
-3.3% QoQ
|
+28.01% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate ? |
0.04%
-82.5% YoY
|
-0.87% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
81.02%
+0.7% YoY
+4.1% QoQ
|
+3.06% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
3.42%
-6.9% YoY
+5.4% QoQ
|
-18.61% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 2.3% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-82.0% YoY
|
-0.64% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
17.02%
-45.6% YoY
-0.5% QoQ
|
+1.11% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.06%
-5.9% YoY
+113.7% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
3.4%
-0.3pp YoY +0.2pp QoQ |
-18.7pp | 22.1% | 18.8% | 22.2% | 2% |
| Brokered Deposits |
3.0%
-0.1pp YoY 0.0pp QoQ |
-4.8pp | 7.9% | 7.7% | 8.5% | 38% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.8%
-0.4pp QoQ |
-8.7pp | 11.6% | 10.2% | 12.5% | 9% |
| CRE |
16.7%
+0.2pp YoY +3.6pp QoQ |
-22.9pp | 39.5% | 34.2% | 41.4% | 13% |
| 1-4 Family |
77.3%
-2.3pp YoY -3.0pp QoQ |
+44.7pp | 32.6% | 50.0% | 31.3% | 96% |
| Consumer |
0.8%
-0.3pp YoY 0.0pp QoQ |
-3.3pp | 4.1% | 4.7% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
17.0%
-0.2pp YoY -0.1pp QoQ |
+4.8pp | 12.2% | 12.9% | 12.6% | 93% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
0 YoY 0 QoQ |
-41 | 58 | 2,433 | 482 | 8% |
| Assets per Employee ($) |
$7.3M
+1.1% YoY +0.1% QoQ |
-$210K | $7.5M | $7.6M | $8.8M | 58% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 81 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | 0.0% | -0.9pp | 0.9% | 0.6% | 1.0% | 10% |
| Allowance Coverage |
19.11x
+448.6% YoY |
-5.04x | 24.15x | 18.95x | 20.23x | 88% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.1%
+1.6pp YoY +0.5pp QoQ |
-11.1pp | 12.2% | 9.7% | 11.6% | 5% |
| Cost of Funds (YTD) |
1.8%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 56% |
| Net Income ($, YTD) |
$106,000
+352.4% YoY — QoQ |
-$2.4M | $2.6M | $259.3M | $40.4M | 4% |
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$250B+
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 (0)
No matched concern signatures this quarter
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).
Top Strengths (3 metrics)
462
Nonperforming Asset Ratio
credit_quality
Value:
0.03%
Peer Median: 0.67%
#462 of 2643
Top 17.4% in $100M-$1B
516
Delinquency Rate
credit_quality
Value:
0.04%
Peer Median: 0.92%
#516 of 2633
Top 19.6% in $100M-$1B
608
Tier 1 Capital Ratio
capital
Value:
17.02%
Peer Median: 15.91%
#608 of 2643
Top 23.0% in $100M-$1B
Top Weaknesses (8 metrics)
2582
Non-Interest-Bearing Deposit Share
funding
Value:
3.42%
Peer Median: 22.03%
#2582 of 2643
Bottom 2.3% in $100M-$1B
2533
Net Interest Margin
profitability
Value:
2.65%
Peer Median: 3.99%
#2533 of 2643
Bottom 4.2% in $100M-$1B
2529
Efficiency Ratio
profitability
Value:
92.49%
Peer Median: 64.48%
#2529 of 2643
Bottom 4.4% in $100M-$1B
2515
Return on Assets
profitability
Value:
0.16%
Peer Median: 1.32%
#2515 of 2643
Bottom 4.9% in $100M-$1B
2508
Total Deposits
size
Value:
$99.02M
Peer Median: $326.73M
#2508 of 2643
Bottom 5.1% in $100M-$1B
2456
Non-Interest Income / Assets
revenue_mix
Value:
0.06%
Peer Median: 0.57%
#2456 of 2643
Bottom 7.1% in $100M-$1B
2418
Total Assets
size
Value:
$131.55M
Peer Median: $386.57M
#2418 of 2643
Bottom 8.6% in $100M-$1B
2368
Total Loans
size
Value:
$80.22M
Peer Median: $258.35M
#2368 of 2643
Bottom 10.4% in $100M-$1B