Is Fidelity Bank Safe?
Fidelity Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while loan quality is its weakest area (87/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.63% | 89/100 |
| Nonperforming Loan Ratio | 0.64% | 87/100 |
| Liquidity Ratio | 31.65% | 100/100 |
| Return on Assets | 1.98% | 99/100 |
| Total Assets | $3.9B | |
How does Fidelity Bank compare?
With a Bank Health Score of 92/100, Fidelity Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within North Carolina, where 36 FDIC-insured banks are headquartered, Fidelity Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 13.63% 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 0.64% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Fidelity Bank's Bank Health Score fell by 1.0 points to 92/100. Tier 1 capital strengthened by 0.79 percentage points to 13.63%. Quarter-over-quarter, the score rose by 2.0 points.
Fidelity Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while loan quality is its weakest area (87/100).