Fidelity State Bank&Trust Co Safety Rating
Fidelity State Bank&Trust Co's safety rating is grade A, a Bank Health Score of 99/100 built from FDIC call report data. That ranks #60 out of 3,960 FDIC-insured banks nationally (top 2%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Fidelity State Bank&Trust Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (97/100).
This page answers a common banking-safety question: Fidelity State Bank&Trust Co Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Fidelity State Bank&Trust Co Safety Rating Breakdown
- Overall rating
- Grade A (99/100)
- National rank
- #60 of 3,960
- Tier 1 capital (35%)
- 100/100
- Loan quality (30%)
- 97/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 100/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Fidelity State Bank&Trust Co among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 2% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 128.61% | 100/100 |
| Nonperforming Loan Ratio | 0.14% | 97/100 |
| Liquidity Ratio | 86.90% | 100/100 |
| Return on Assets | 2.55% | 100/100 |
| Total Assets | $0.2B | |
How does Fidelity State Bank&Trust Co compare?
With a Bank Health Score of 99/100, Fidelity State Bank&Trust Co sits 29.0 points above the national average of 70/100 for FDIC-insured banks. Within Kansas, where 159 FDIC-insured banks are headquartered, Fidelity State Bank&Trust Co ranks above the state average of 69/100 (Grade B).
The bank's Tier 1 capital ratio of 128.61% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.14% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Fidelity State Bank&Trust Co's Bank Health Score held roughly steady at 99/100. Tier 1 capital strengthened by 12.80 percentage points to 128.61%.
Frequently Asked Questions
Fidelity State Bank&Trust Co's safety rating is grade A, a Bank Health Score of 99/100 built from FDIC call report data. That ranks #60 out of 3,960 FDIC-insured banks nationally (top 2%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Fidelity State Bank&Trust Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (97/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Fidelity State Bank&Trust Co: Tier 1 capital scores 100/100, loan quality 97/100, liquidity 100/100, and profitability 100/100 — combining to 99/100 (grade A).
Fidelity State Bank&Trust Co's Bank Health Score of 99/100 is 30.0 points above the Kansas state average of 69/100. 159 FDIC-insured banks are headquartered in Kansas.
Yes. Fidelity State Bank&Trust Co (FDIC certificate #10920) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Fidelity State Bank&Trust Co
Fidelity State Bank&Trust Co's safety rating is grade A, a Bank Health Score of 99/100 built from FDIC call report data. That ranks #60 out of 3,960 FDIC-insured banks nationally (top 2%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Fidelity State Bank&Trust Co's best component is Tier 1 capital (100/100) and its weakest is loan quality (97/100).