← Back to Institutions
The Fidelity Bank
Fuquay Varina, NC·FDIC Cert #11507·Charter: STATE·Est. 19090101.0·HC: FIDELITY BANCSHARES N C INC
Total Assets
$4.4B
Q4 2025
Return on Assets
1.74%
+0.04%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
49.59%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
67
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.74%+0.04
ROE
19.74%-0.11
Efficiency
49.59%-0.94
Equity/Assets
0.00%+0.00
NPL Ratio
0.27%-0.38
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
71.39%+3.17
Charge-offs
0.03%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.5 | 1.6 | 1.6 | 1.6 | 1.6 | 1.7 | 1.7 |
| ROE | 20.9 | 21.8 | 21.6 | 21.6 | 19.5 | 19.5 | 19.9 | 19.7 |
| Efficiency | 55.2 | 54.8 | 53.8 | 53.0 | 51.9 | 51.5 | 50.5 | 49.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.6 | 0.7 | 0.6 | 0.4 | 0.6 | 0.6 | 0.3 |
| Charge-offs | 0.0 | -0.1 | -0.1 | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 70.3 | 69.9 | 69.5 | 71.4 | 69.8 | 70.5 | 68.2 | 71.4 |
Balance Sheet
Total Assets$4.4B
Total Deposits$3.9B
Total Loans$2.8B
Total Equity$433.0M
Profitability
ROA1.74%
ROE19.74%
Efficiency Ratio49.59%
Net Income$74.0M
Risk & Asset Quality
NPL Ratio0.27%
Charge-off Rate0.03%
Loan/Deposit71.39%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans