The Fidelity Bank: how it compares with its peers
Against 372 U.S. banks with half to twice its assets, The Fidelity Bank's strongest measure in Q2 2026 is return on assets (1.73% vs. a 1.30% peer median). Its weakest relative measure is assets per employee ($8.1M vs. $9.5M).
| Measure | The Fidelity Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.73% | 1.30% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.06% | 3.65% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.48% | 57.33% | Top third Ahead of 69% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $9.5M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.19% | 88.61% | Context |
What it means for lending operations
Its efficiency ratio of 51.48% is better than the 57.33% 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
- Erebor Bank, N.A. Columbus, OH · $4.66B
- First National Bank Texas Killeen, TX · $4.64B
- PeoplesBank Holyoke, MA · $4.62B
- Southern First Bank Greenville, SC · $4.70B
- Town Bank, National Association Hartland, WI · $4.71B
- Bar Harbor Bank & Trust Bar Harbor, ME · $4.73B
Questions about The Fidelity Bank
How big is The Fidelity Bank?
The Fidelity Bank, established in 1909, is headquartered in Fuquay Varina, NC. It reported $4.66B in total assets in its Q2 2026 FDIC call report and operates 58 offices.
What is The Fidelity Bank's return on assets?
1.73% annualized in Q2 2026, against a 1.30% median for 372 U.S. banks with half to twice its assets, ahead of 79% of them.
What is The Fidelity Bank's efficiency ratio?
51.48% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 57.33%, and lower is better.
Is The Fidelity Bank growing its loans?
Net loans grew 5.8% over the year to Q2 2026, while deposits grew 7.9%.
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 U.S. 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 North Carolina bank ranked.