Fidelity Bank & Trust: how it compares with its peers
Against 19 IA banks with half to twice its assets, Fidelity Bank & Trust's strongest measure in Q2 2026 is net interest margin (3.64% vs. a 3.48% peer median). Its weakest relative measure is return on assets (1.30% vs. 1.30%).
| Measure | Fidelity Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.30% | 1.30% | Middle third Ahead of 47% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.64% | 3.48% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.73% | 53.38% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.9M | $9.6M | Middle third Ahead of 47% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.57% | 90.10% | Context |
What it means for lending operations
Its efficiency ratio of 49.73% is better than the 53.38% 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
- United Bank of Iowa Ida Grove, IA · $2.50B
- Quad City Bank and Trust Company Bettendorf, IA · $2.77B
- Bank Iowa West Des Moines, IA · $2.35B
- Luana Savings Bank Luana, IA · $2.34B
- Cedar Rapids Bank and Trust Company Cedar Rapids, IA · $2.90B
- Central Bank Storm Lake, IA · $2.29B
Questions about Fidelity Bank & Trust
How big is Fidelity Bank & Trust?
Fidelity Bank & Trust, established in 1910, is headquartered in Dubuque, IA. It reported $2.60B in total assets in its Q2 2026 FDIC call report and operates 36 offices.
What is Fidelity Bank & Trust's return on assets?
1.30% annualized in Q2 2026, against a 1.30% median for 19 IA banks with half to twice its assets, ahead of 47% of them.
What is Fidelity Bank & Trust's efficiency ratio?
49.73% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 53.38%, and lower is better.
Is Fidelity Bank & Trust growing its loans?
Net loans grew 38.7% over the year to Q2 2026, while deposits grew 23.4%.
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 IA 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 Iowa bank ranked.