The Fidelity State Bank and Trust Company: how it compares with its peers
Against 83 KS banks with half to twice its assets, The Fidelity State Bank and Trust Company's strongest measure in Q2 2026 is return on assets (2.17% vs. a 1.42% peer median). Its weakest relative measure is net interest margin (3.78% vs. 3.95%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.17% | 1.42% | Top third Ahead of 95% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 3.95% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.59% | 59.23% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $7.0M | Middle third Ahead of 49% of peers |
| Loans to deposits Net loans and leases over total deposits. | 13.52% | 76.68% | Context |
What it means for lending operations
Its efficiency ratio of 44.59% is better than the 59.23% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Lyons Federal Bank Lyons, KS · $198M
- Garden Plain State Bank Wichita, KS · $191M
- Citizens Federal Savings Bank Leavenworth, KS · $190M
- The Valley State Bank Belle Plaine, KS · $201M
- Community Bank Topeka, KS · $189M
- The First National Bank of Louisburg Louisburg, KS · $201M
Questions about The Fidelity State Bank and Trust Company
How big is The Fidelity State Bank and Trust Company?
The Fidelity State Bank and Trust Company, established in 1933, is headquartered in Dodge City, KS. It reported $195M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Fidelity State Bank and Trust Company's return on assets?
2.17% annualized in Q2 2026, against a 1.42% median for 83 KS banks with half to twice its assets, ahead of 95% of them.
What is The Fidelity State Bank and Trust Company's efficiency ratio?
44.59% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 59.23%, and lower is better.
Is The Fidelity State Bank and Trust Company growing its loans?
Net loans shrank 2.6% over the year to Q2 2026, while deposits shrank 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.