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Fidelity Bank

$100M-$1B Specialty: Commercial IL FDIC cert 5753

Designations: ✓ CDFI-certified

Savanna, IL

6 branches across IA · IL

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 211 in IL.
  • Deposits +2.8% year over year ($165.5M on the books).
  • Delinquency rate 0.79%.
  • Return on assets 0.31%.
  • Efficiency ratio 92.03% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.43% 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 211 in IL
View $100M-$1B leaderboard (IL) →

Fidelity Bank has 2 strengths 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

  • + Non-Interest Income / Assets 0.10% above tier average
  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 4.5% in tier
  • - NIB Deposit Bleed: Bottom 16.7% in tier
  • - Capital Thin: Bottom 28.4% in tier
  • - Return on Assets 1.02% below tier average
  • - Efficiency Ratio 27.55% above tier average
  • - Net Interest Margin 0.16% below tier average
Get updates when Fidelity Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $198.6M
+0.2% YoY +0.1% QoQ
-$187.9M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $146.4M
+13.1% YoY +1.7% QoQ
-$112.0M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $165.5M
+2.8% YoY -1.0% QoQ
-$161.2M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
25%
Return on Assets ? 0.31%
+334.2% YoY +897.2% QoQ
-1.02% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 7.5% in tier
Net Interest Margin ? 3.83%
+0.8% YoY +4.6% QoQ
-0.16% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 92.03%
-3.8% YoY -7.6% QoQ
+27.55% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 4.6% in tier
Delinquency Rate ? 0.79%
+133.4% YoY +7.6% QoQ
-0.13% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 88.43%
+10.0% YoY +2.8% QoQ
+10.48% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 13.96%
-25.8% YoY +14.6% QoQ
-8.07% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 0.58%
+89.0% YoY +9.4% QoQ
-0.09% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
35%
Tier 1 Capital Ratio ? 11.02%
-5.6% YoY +0.2% QoQ
-4.89% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
24%
Non-Interest Income / Assets ? 0.67%
+16.1% YoY +95.4% QoQ
+0.10% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 6.1% in tier

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 (IL) National Avg Tier Percentile
Noninterest-Bearing 14.0%
-4.8pp YoY
+1.8pp QoQ
 -8.2pp 22.1% 20.1% 22.2% 20%
Brokered Deposits 13.3%
-3.9pp YoY
+0.1pp QoQ
 +5.4pp 7.9% 8.0% 8.5% 83%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 4.9%
-0.8pp YoY
0.0pp QoQ
 -6.7pp 11.6% 14.7% 12.5% 19%
CRE 46.0%
+5.9pp YoY
+2.9pp QoQ
 +6.5pp 39.5% 37.9% 41.4% 64%
1-4 Family 38.7%
-3.9pp YoY
-2.2pp QoQ
 +6.1pp 32.6% 28.3% 31.3% 68%
Consumer 0.3%
0.0pp YoY
0.0pp QoQ
 -3.8pp 4.1% 5.4% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 11.0%
-0.7pp YoY
0.0pp QoQ
 -7.8pp 18.8% 19.9% 19.7% 8%
Leverage Ratio 8.0%
-0.4pp YoY
-0.1pp QoQ
 -4.2pp 12.2% 12.2% 12.6% 2%
Total Capital Ratio 11.8%
-0.7pp YoY
0.0pp QoQ
 -8.2pp 19.9% 20.9% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 57
-4 (-6.6%) YoY
-2 (-3.4%) QoQ
 -2 58 228 482 60%
Assets per Employee ($) $3.5M
+7.3% YoY
+3.6% QoQ
 -$4.0M $7.5M $8.3M $8.8M 2%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 27%
Nonaccrual 0.8%
+0.4pp YoY
+0.1pp QoQ
 -0.2pp 0.9% 1.1% 1.0% 65%
Allowance Coverage 0.82x
-60.3% YoY
-6.9% QoQ
 -23.33x 24.15x 5.62x 20.23x 21%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
 -0.1pp 0.1% 0.1% 0.2% 34%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 4.3%
+3.2pp YoY
+4.8pp QoQ
 -7.9pp 12.2% 10.5% 11.6% 11%
Cost of Funds (YTD) 2.5%
0.0pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.6% 1.7% 88%
Net Income ($, YTD) $303,000
+366.2% YoY
— QoQ
 -$2.3M $2.6M $11.7M $40.4M 7%

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)

Flatlined Growth

risk
#25 of 529 • Bottom 4.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.31%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

NIB Deposit Bleed

decline
#28 of 162 • Bottom 16.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.96%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank declining

Capital Thin

risk
#189 of 661 • Bottom 28.4% 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: 11.02%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

161
Non-Interest Income / Assets
revenue_mix
Value: 0.67%
Peer Median: 0.57%
#161 of 2643 Top 6.1% in $100M-$1B

Top Weaknesses (4 metrics)

2522
Efficiency Ratio
profitability
Value: 92.03%
Peer Median: 64.48%
#2522 of 2643 Bottom 4.6% in $100M-$1B
2445
Return on Assets
profitability
Value: 0.31%
Peer Median: 1.32%
#2445 of 2643 Bottom 7.5% in $100M-$1B
2098
Non-Interest-Bearing Deposit Share
funding
Value: 13.96%
Peer Median: 22.03%
#2098 of 2643 Bottom 20.7% in $100M-$1B
2016
Tier 1 Capital Ratio
capital
Value: 11.02%
Peer Median: 15.91%
#2016 of 2643 Bottom 23.8% in $100M-$1B
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