BlastPoint's Banking Scorecard

Fidelity Bank, National Association

$1B-$10B Specialty: Commercial KS FDIC cert 30895

Wichita, KS

16 branches across KS · OK

884 banks in the $1B-$10B peer group nationally 20 in KS

Fidelity Bank, National Association has 2 strengths 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 0.06% above tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 34.8% in tier
- Liquidity Strain: Bottom 41.3% in tier
- Credit Risk Growth: Bottom 47.4% in tier
- ROA 0.31% below tier average
- Efficiency Ratio 6.23% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$3.3B +4.1% YoY -0.1% QoQ	+$529.7M	$2.8B -0.1% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$2.6B +5.1% YoY +0.3% QoQ	+$637.5M	$2.0B +0.6% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$2.7B +1.9% YoY +2.1% QoQ	+$313.0M	$2.3B -0.3% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	1.05% +17.2% YoY +6.6% QoQ	-0.31%	1.37% +19.6% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	3.88% +9.9% YoY +4.3% QoQ	+0.06%	3.82% +6.9% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	65%
Efficiency Ratio ?	67.29% -1.6% YoY +1.3% QoQ	+6.23%	61.06% -4.6% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.83% +124.6% YoY +66.5% QoQ	-0.06%	0.89% +14.1% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	97.97% +3.1% YoY -1.8% QoQ	+13.76%	84.20% +0.3% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	18.92% +14.9% YoY +14.4% QoQ	-2.37%	21.29% -2.5% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	1.33% +21.8% YoY +14.1% QoQ	+0.66%	0.67% +15.6% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Bottom 13.0% in tier
Tier 1 Capital Ratio ?	10.91% +0.4% YoY +1.2% QoQ	-4.25%	15.16% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.09% -49.0% YoY -84.9% QoQ	-0.16%	0.26% +1.6% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	30%

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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 (3)

Capital Thin

risk

#78 of 221 • Bottom 34.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.91%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#139 of 334 • Bottom 41.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.97%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#200 of 420 • Bottom 47.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

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 (2 metrics)

198

Total Loans

size

Value: $2.60B

Peer Median: $1.96B

#198 of 884 Top 22.3% in $1B-$10B

220

Total Assets

size

Value: $3.35B

Peer Median: $2.82B

#220 of 884 Top 24.8% in $1B-$10B

Top Weaknesses (3 metrics)

770

Nonperforming Asset Ratio

credit_quality

Value: 1.33%

Peer Median: 0.67%

#770 of 884 Bottom 13.0% in $1B-$10B

746

Tier 1 Capital Ratio

capital

Value: 10.91%

Peer Median: 15.16%

#746 of 884 Bottom 15.7% in $1B-$10B

731

Loan-to-Deposit Ratio

liquidity

Value: 97.97%

Peer Median: 84.20%

#731 of 884 Bottom 17.4% in $1B-$10B