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Fidelity Bank, National Association
Wichita, KS·FDIC Cert #30895·Charter: OCC·Est. 19560101.0·HC: FIDELITY FINANCIAL CORP
Total Assets
$3.3B
Q4 2025
Return on Assets
0.99%
+0.07%Peer avg: 1.26%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
66.42%
Peer avg: 57.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.99%+0.07
ROE
10.30%+0.76
Efficiency
66.42%-1.09
Equity/Assets
0.00%+0.00
NPL Ratio
0.50%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.76%-1.62
Charge-offs
-0.01%-0.05
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 | 0.2 | 0.4 | 0.5 | 0.6 | 0.9 | 0.9 | 0.9 | 1.0 |
| ROE | 2.3 | 4.6 | 5.1 | 6.1 | 9.4 | 9.8 | 9.5 | 10.3 |
| Efficiency | 70.7 | 72.3 | 74.3 | 72.9 | 68.4 | 67.5 | 67.5 | 66.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 1.2 | 0.4 | 0.4 | 0.3 | 0.5 | 0.5 |
| Charge-offs | 0.5 | 0.2 | 0.2 | 0.1 | 0.1 | 0.0 | 0.0 | -0.0 |
| Loan/Deposit | 97.7 | 100.8 | 100.0 | 94.6 | 95.0 | 93.7 | 101.4 | 99.8 |
Balance Sheet
Total Assets$3.3B
Total Deposits$2.6B
Total Loans$2.6B
Total Equity$323.5M
Profitability
ROA0.99%
ROE10.30%
Efficiency Ratio66.42%
Net Income$32.3M
Risk & Asset Quality
NPL Ratio0.50%
Charge-off Rate-0.01%
Loan/Deposit99.76%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans