BlastPoint's Banking Scorecard
Fidelity Bank
Designations: ✓ CDFI-certified
Savanna, IL
6 branches across IA · IL
Fidelity Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.06% above tier average
- + Delinquency Rate 0.15% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 8.1% in tier
- - Credit Quality Pressure: Bottom 39.1% in tier
- - Return on Assets 1.31% below tier average
- - Efficiency Ratio 34.29% above tier average
- - Net Interest Margin 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$198.4M
+8.6% YoY
-0.1% QoQ
|
-$187.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$143.9M
+22.8% YoY
+0.6% QoQ
|
-$111.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$167.3M
+8.2% YoY
+1.3% QoQ
|
-$160.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
-0.04%
+79.9% YoY
-130.8% QoQ
|
-1.31% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.4% in tier |
| Net Interest Margin ? |
3.66%
-5.0% YoY
-5.0% QoQ
|
-0.27% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
99.57%
+0.4% YoY
+4.2% QoQ
|
+34.29% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate ? |
0.73%
+26.5% YoY
-7.0% QoQ
|
-0.15% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
86.03%
+13.5% YoY
-0.8% QoQ
|
+9.39% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
12.18%
-31.7% YoY
-19.2% QoQ
|
-9.84% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.53%
+43.0% YoY
-6.4% QoQ
|
-0.11% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
10.99%
-14.3% YoY
-0.6% QoQ
|
-4.84% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.34%
+18.8% YoY
-72.3% QoQ
|
+0.06% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 5.7% in tier |
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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 (0)
Concerns (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.