Fidelity Fs&la of Delaware
Delaware, Ohio · FDIC Cert #29521
Fidelity Fs&la of Delaware is an FDIC-insured bank (Certificate #29521) with $128M in total assets and $94M in total deposits as of the Q2 2024 Call Report. Headquartered in Delaware, Ohio, the bank maintains a Tier 1 capital ratio of 33.88% (Well-Capitalized) and a nonperforming loan ratio of 0.23%. BankHealthData assigns a composite Health Grade of A (90/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Fidelity Fs&la of Delaware (FDIC cert 29521) is a community bank — $128M in total assets, $94M in deposits, serving the Delaware, Ohio area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 33.88% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.23% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is comfortable: 36.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is negative: ROA of -0.25% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Fidelity Fs&la of Delaware carries a composite BankHealth grade of A (90/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Fidelity Fs&la of Delaware
- Total Assets
- $128M
- Total Deposits
- $94M
- Tier 1 Capital Ratio
- 33.88%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.23%
- Liquidity Ratio
- 36.44%
- Return on Assets
- -0.25%
- Headquarters
- Delaware, Ohio
- FDIC Certificate
- #29521
- Health Grade
- A (90/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Fidelity Fs&la of Delaware holds a Tier 1 capital ratio of 33.88%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Fidelity Fs&la of Delaware has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Fidelity Fs&la of Delaware shows strong financial health indicators. With $128M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Fidelity Fs&la of Delaware Compares
Fidelity Fs&la of Delaware’s Health Score of 90 is 23 points above the Ohio state average of 67 across 144 FDIC-insured banks. Its 33.88% Tier 1 capital ratio is 19.9 points above the US banking industry average near 14%. The 0.23% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of -0.25% is below the national ROA benchmark of ~1.1%. Among 1263 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Fidelity Fs&la of Delaware is 20 points above the portfolio average of 70.
Frequently Asked Questions
Fidelity Fs&la of Delaware has a Bank Health Score of A (90/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 33.88%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Fidelity Fs&la of Delaware's Tier 1 capital ratio of 33.88% and nonperforming loan ratio of 0.23% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Fidelity Fs&la of Delaware is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #29521). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Fidelity Fs&la of Delaware holds $128M in total assets and $94M in total deposits. It is headquartered in Delaware, Ohio (FDIC Certificate #29521).
Fidelity Fs&la of Delaware has a Tier 1 capital ratio of 33.88%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.23%, and the return on assets is -0.25%.
Yes. Fidelity Fs&la of Delaware is FDIC-insured (Certificate #29521). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Fidelity Fs&la of Delaware's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.