Fidelity Bank, National Association: how it compares with its peers
Against 458 U.S. banks with half to twice its assets, Fidelity Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.99% vs. a 3.67% peer median). Its weakest relative measure is efficiency ratio (63.73% vs. 58.48%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.27% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.99% | 3.67% | Top third Ahead of 68% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.73% | 58.48% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $9.2M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.12% | 88.45% | Context |
What it means for lending operations
Its efficiency ratio of 63.73% is above the 58.48% 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
- Union Savings Bank Danbury, CT · $3.30B
- ACNB Bank Gettysburg, PA · $3.30B
- BankFirst Financial Services Columbus, MS · $3.31B
- Oakstar Bank Springfield, MO · $3.29B
- Red River Bank Alexandria, LA · $3.31B
- Lone Star National Bank Pharr, TX · $3.28B
Questions about Fidelity Bank, National Association
How big is Fidelity Bank, National Association?
Fidelity Bank, National Association, established in 1956, is headquartered in Wichita, KS. It reported $3.30B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Fidelity Bank, National Association's return on assets?
1.16% annualized in Q2 2026, against a 1.27% median for 458 U.S. banks with half to twice its assets, ahead of 40% of them.
What is Fidelity Bank, National Association's efficiency ratio?
63.73% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 58.48%, and lower is better.
Is Fidelity Bank, National Association growing its loans?
Net loans grew 2.1% over the year to Q2 2026, while deposits shrank 3.5%.
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 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 Kansas bank ranked.