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Fidelity Bank, National Association

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

Wichita, KS

16 branches across KS · OK

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 20 in KS.
  • Deposits -3.5% year over year ($2.6B on the books).
  • Delinquency rate 0.76%.
  • Return on assets 1.16%.
  • Efficiency ratio 63.73% vs a 59.73% peer average.
  • Loan-to-deposit ratio 99.12% 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 20 in KS
View $1B-$10B leaderboard (KS) →

Fidelity Bank, National Association has 2 strengths but faces 7 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 0.12% above tier average
  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 18.5% in tier
  • - Deposit Outflow: Bottom 29.8% in tier
  • - Credit Risk Growth: Bottom 29.8% in tier
  • - Liquidity Strain: Bottom 30.5% in tier
  • - Capital Constraint: Bottom 59.4% in tier
  • - ROA 0.23% below tier average
  • - Efficiency Ratio 4.00% above tier average
Get updates when Fidelity Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $3.3B
+1.1% YoY -1.4% QoQ
+$505.4M $2.8B
-0.6% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $2.6B
+2.1% YoY -1.5% QoQ
+$599.9M $2.0B
-0.3% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $2.6B
-3.5% YoY -2.7% QoQ
+$266.9M $2.3B
-0.5% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 1.16%
+23.5% YoY +9.8% QoQ
-0.23% 1.39%
+17.0% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 3.99%
+9.6% YoY +2.8% QoQ
+0.12% 3.87%
+6.2% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
67%
Efficiency Ratio ? 63.73%
-5.6% YoY -5.3% QoQ
+4.00% 59.73%
-12.6% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.76%
+134.3% YoY -8.3% QoQ
-0.11% 0.87%
+11.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
37%
Loan-to-Deposit Ratio ? 99.12%
+5.8% YoY +1.2% QoQ
+14.09% 85.04%
-0.1% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
16%
Non-Interest-Bearing Deposit Share ? 16.37%
+0.3% YoY -13.5% QoQ
-4.91% 21.27%
-1.5% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 1.32%
+26.5% YoY -0.6% QoQ
+0.65% 0.67%
+11.7% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Bottom 13.2% in tier
Tier 1 Capital Ratio ? 10.97%
+1.0% YoY +0.6% QoQ
-3.87% 14.84%
-0.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.24%
-29.7% YoY +153.7% QoQ
-0.29% 0.53%
+2.5% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
39%

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 (KS) National Avg Tier Percentile
Noninterest-Bearing 16.4%
+0.1pp YoY
-2.6pp QoQ
 -5.0pp 21.4% 22.3% 22.2% 32%
Brokered Deposits 3.7%
-6.1pp YoY
-0.7pp QoQ
 -5.8pp 9.5% 8.7% 8.5% 39%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 17.1%
+4.4pp YoY
+0.1pp QoQ
 +3.1pp 14.0% 12.6% 12.5% 73%
CRE 57.6%
-2.0pp YoY
+0.4pp QoQ
 +7.5pp 50.0% 28.8% 41.4% 69%
1-4 Family 23.6%
-1.7pp YoY
-0.8pp QoQ
 -2.8pp 26.4% 26.7% 31.3% 51%
Consumer 3.1%
-0.6pp YoY
+0.3pp QoQ
 -1.7pp 4.7% 4.6% 5.0% 74%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 11.0%
+0.1pp YoY
+0.1pp QoQ
 -4.6pp 15.6% 23.3% 19.7% 9%
Leverage Ratio 10.0%
+0.1pp YoY
+0.1pp QoQ
 -1.3pp 11.3% 12.6% 12.6% 36%
Total Capital Ratio 12.2%
+0.2pp YoY
+0.1pp QoQ
 -4.5pp 16.7% 24.4% 20.8% 11%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 397
-7 (-1.7%) YoY
-6 (-1.5%) QoQ
 +83 313 70 482 77%
Assets per Employee ($) $8.3M
+2.9% YoY
+0.1% QoQ
 -$2.2M $10.5M $7.1M $8.8M 45%
Branch Count 16
-1 (-5.9%) YoY
0 QoQ
 -4 20 6 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 60%
Nonaccrual 0.9%
+0.4pp YoY
-0.1pp QoQ
 +0.1pp 0.8% 0.8% 1.0% 70%
Allowance Coverage 1.76x
-56.0% YoY
+11.3% QoQ
 -16.95x 18.71x 22.44x 20.23x 44%
Net Charge-off Rate (YTD) -0.1%
-0.1pp YoY
+0.1pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 2%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 11.9%
+2.2pp YoY
+1.0pp QoQ
 -0.7pp 12.6% 14.3% 11.6% 48%
Cost of Funds (YTD) 2.2%
-0.4pp YoY
0.0pp QoQ
 +0.3pp 1.9% 1.6% 1.7% 71%
Net Income ($, YTD) $19.3M
+28.0% YoY
— QoQ
 +$34K $19.2M $3.7M $40.4M 68%

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 (5)

Capital Thin

risk
#42 of 222 • Bottom 18.5% 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: 10.97%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Outflow

decline
#40 of 131 • Bottom 29.8% 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

Credit Risk Growth

risk
#121 of 402 • Bottom 29.8% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#111 of 361 • Bottom 30.5% 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: 99.12%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Constraint

risk
#20 of 32 • Bottom 59.4% 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: 99.12%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 10.97%
(Tier: 14.84%, National: 17.09%)
worse 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

201
Total Loans
size
Value: $2.56B
Peer Median: $1.96B
#201 of 885 Top 22.6% in $1B-$10B

Top Weaknesses (3 metrics)

769
Nonperforming Asset Ratio
credit_quality
Value: 1.32%
Peer Median: 0.67%
#769 of 885 Bottom 13.2% in $1B-$10B
740
Loan-to-Deposit Ratio
liquidity
Value: 99.12%
Peer Median: 85.04%
#740 of 885 Bottom 16.5% in $1B-$10B
732
Tier 1 Capital Ratio
capital
Value: 10.97%
Peer Median: 14.84%
#732 of 885 Bottom 17.4% in $1B-$10B
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