Fidelity Bank of Texas: how it compares with its peers
Against 113 TX banks with half to twice its assets, Fidelity Bank of Texas's strongest measure in Q2 2026 is net interest margin (4.32% vs. a 4.17% peer median). Its weakest relative measure is efficiency ratio (106.28% vs. 63.93%).
| Measure | Fidelity Bank of Texas | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.55% | 1.46% | Bottom third Ahead of 1% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.32% | 4.17% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 106.28% | 63.93% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.3M | $6.4M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 82.30% | 63.47% | Context |
What it means for lending operations
Its efficiency ratio of 106.28% is above the 63.93% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Big Bend Banks, N.A. Marfa, TX · $165M
- Normangee State Bank Normangee, TX · $165M
- Fannin Bank Bonham, TX · $159M
- The First National Bank of Quitaque Quitaque, TX · $167M
- The First National Bank of Winnsboro Winnsboro, TX · $158M
- The First National Bank of Eagle Lake Eagle Lake, TX · $168M
Questions about Fidelity Bank of Texas
How big is Fidelity Bank of Texas?
Fidelity Bank of Texas, established in 1974, is headquartered in Waco, TX. It reported $163M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Fidelity Bank of Texas's return on assets?
-0.55% annualized in Q2 2026, against a 1.46% median for 113 TX banks with half to twice its assets, ahead of 1% of them.
What is Fidelity Bank of Texas's efficiency ratio?
106.28% in Q2 2026: it spent about 106 cents in noninterest expense for each dollar of revenue. The peer median is 63.93%, and lower is better.
Is Fidelity Bank of Texas growing its loans?
Net loans grew 17.3% over the year to Q2 2026, while deposits grew 23.5%.
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 TX 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 Texas bank ranked.