Fidelity Bank: how it compares with its peers
Against 31 AR banks with half to twice its assets, Fidelity Bank's strongest measure in Q2 2026 is assets per employee ($8.8M vs. a $6.2M peer median). Its weakest relative measure is net interest margin (2.96% vs. 4.06%).
| Measure | Fidelity Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.19% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.96% | 4.06% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.23% | 62.38% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $6.2M | Top third Ahead of 94% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.08% | 83.15% | Context |
What it means for lending operations
Its efficiency ratio of 59.23% is better than the 62.38% 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
- Citizens' Bank & Trust Co. Van Buren, AR · $566M
- First State Bank of DeQueen De Queen, AR · $525M
- Armor Bank Forrest City, AR · $517M
- Eagle Bank and Trust Company Little Rock, AR · $506M
- First National Bank of Eastern Arkansas Forrest City, AR · $589M
- Cross Bank Wynne, AR · $593M
Questions about Fidelity Bank
How big is Fidelity Bank?
Fidelity Bank, established in 1966, is headquartered in West Memphis, AR. It reported $547M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Fidelity Bank's return on assets?
1.28% annualized in Q2 2026, against a 1.19% median for 31 AR banks with half to twice its assets, ahead of 61% of them.
What is Fidelity Bank's efficiency ratio?
59.23% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 62.38%, and lower is better.
Is Fidelity Bank growing its loans?
Net loans shrank 2.9% over the year to Q2 2026, while deposits shrank 3.6%.
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 AR 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 Arkansas bank ranked.