# FIDELITY BANK
FUQUAY VARINA, NC · FDIC certificate 11507 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.66B | |
| Deposits | $4.17B | |
| Loans and leases | $2.93B | |
| Total equity | $467.7M | |
| Loans / deposits | 69.19% (p15 of band) | 87.10% |
| Liquid assets / assets | 34.84% (p83 of band) | |
| Uninsured deposits / deposits | 38.22% (p68 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.47% (p69 of band) | 10.50% |
| Unrealized securities loss / equity | -24.81% (p14 of band) | -7.75% |
| AOCI / equity | -0.49% (p36 of band) | |
| ROA (annualized) | 1.73% (p79 of band) | 1.26% |
| Net interest margin | 4.06% (p72 of band) | 3.70% |
| Efficiency ratio | 51.48% (p27 of band) | |
| Noncurrent loans | 0.42% (p42 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p59 of band) | |
| Reserve coverage of noncurrent | 302.82% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 101.45% (p88 of band) | |
| Auto loans | $1.1M (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 579 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | NIM <2.5% |  |
| 2013-06 | 0 |  | capital falling, NIM <2.5% |
| 2013-09 | 0 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | securities losses >30% of equity |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [NC’s Fidelity Bank to get Atlanta foothold with $142.8M Affinity deal - Banking Dive](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPdlJoSFRJSXpRVk9VTUM2QU5pa2VLdFdvaWY1S25mc0lHQUpNZHA5M2xMODh3VVg4NjZ2WnFLMUc4bHg1Z2xONnZIVVhTSlpIcWJJalAyUHQ1Q2xTbFpPdjZFb2ZkVTB2N2tfNGtyNzhZeE5QblYtckpXenZhZ256Qi0zbWpFbnVEcmVrNTRxQmZuNHJYTmJCcXFLQ3BSNFEtTDRGMkllSTRyejVid2pxT25kcTJkLWo2cDVfSXdjZ0R4b1daLTR1M2ltQ09IX2Roc1RBZw?oc=5) · Banking Dive
- 2026-07-31 [Fidelity Bank Completes the Acquisition of Affinity Bancshares, Inc. and Affinity Bank - Business Wire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNQnE2WjhvQ0JuNUxFMGF0OVdKV2Nrb3RrbEE2N3lDUXZ6bk4wZ082b0hLZEZieXloQnhrUDF4RFc5emdTQ29kMC1XZUtBa081TkNvS3N6bm1rbkxXVk84cHpIZ2FXU3FRZWVZUm1xM0tDSFY1UHRjZWNiVVlqcjhSbFNKOFQ0RWgzZmdONUZ1OS1xZkhLLWVqYkN4Ny1vaDlhUU1rVTFkYS11MHVId3V5ak1BM3dzY1NqakJsdWkzaGpxbHRMNnczUTJLVkQ3MU5fMlVvZVNLRnJCZw?oc=5) · Business Wire
- 2026-03-31 [Deal will bring N.C.'s Fidelity Bank into Atlanta area - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxQYWQyOTlKYkZOb0VlN1ZjazFlbXZDbTdNZDRIemtBdHZxV0VOeFhFTkU3ZXBzT1BOb0Z0ZnY3Y0xGdHgzQnZMR1FWbWRkbVJjSTktVXJ0TnJPSWtINEI2S3AxLXBZd25FbDB1OWJSb2pwdERoazEweV81Q3RJS29rNXUyY2Z0QTVIRk16ZjN0MGJNTjQ?oc=5) · American Banker
- 2026-03-31 [North Carolina bank pushes into Atlanta with $143M acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPVGV6WlVUSGlGU2xBdDFRcHd5dTh4TnBYVUtKck1CRVVWcDRLNk5TUS12ZE01NTRlOEVQUkVxTE5WcUVTQWNqbDFFR0tzY1hSb1A2RTRTVENOeldMTWJ0Y0hqY3pYWlFaVEFaQUx2SW5IaXg2LVZPdS1laDdsbmxMcE5xaHZ6cVJrRTRhbzBMX0ZmYUNxQWZKSmc2RTNwcW54UXc?oc=5) · The Business Journals
- 2026-03-31 [Fidelity BancShares: $142.8 Million Acquisition Of Affinity Bancshares To Expand Into Georgia - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2026-03-30 [Fidelity Bank to acquire Affinity Bancshares for $142.8 million - Investing.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOZ0p0Y0ZwOWZkZkZzY0wyenpSbWhONzNZLXpsQ1M4bHV6SVNUeFZpYW9qeXd6Y0twdnVBVFotRjRlSFU2RTlUNmxnOWRjR0JIdjFrYzhxYWg2Z0FiZUQ1bzBSSThjVHdDUUU3clN3aXFfeDI4S1hpTUIzY2VMSXcyUVZ2MzdRclVSdGctRnVRYmd3MXRyV1dhOHJwWHAzMW1nR3VGaUsyQlpIRnlOUXBxZzRoUVVoRi1GOVE?oc=5) · Investing.com
- 2026-07-23 [Affinity Bancshares Plans Merger Into Fidelity Bank - The Globe and Mail](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOSTRDTHZiMjRGVGg0RUZFb2JKYXczLUt1aFpMOGtGT0ZzTG9CVkZZMkx4WWtPQURjaUxzWFJfRkw3SjRnc01nS3Z4TkgyVGJCR3NoRFZobG1pbW0wTnBUWTFXVG9ZY0pIWDJqbEtTYnNSSFhPZ19PaGlaem9QMjd3TWhDN3JUSXZCOG5nMzQ4RXkyU1Vhb2lHUGJ2LWJWWXBHTnI4eHpMSHFqMFBXeThIYkpWWTFNOUdJaDBObXNaSnBHU1ZLejB2U1JsZWRfRFR3Snc?oc=5) · The Globe and Mail
- 2026-03-30 [Fidelity BancShares (N.C.), Inc. and Fidelity Bank Announce Execution of Definitive Merger Agreement to Acquire Affinity Bancshares, Inc. and Affinity Bank - Business Wire](https://news.google.com/rss/articles/CBMisgJBVV95cUxOZHlWbnllUHJsMUFFc3pWQV8tcnRGSTltRHF3NUlkOW9kTXNTU0ZmaXMwUFpZbWNZS3BVZW0wQU1yYm10a21vaUgzZVZpMWdmOU1mVkVmcHA1NmFvdUYxR3pJMldMckh5T1QtNWFwb0N5bzZNSDFOUHB1Z0hEb29fWTlwZ01kVlN0clM4OVprSFN4V0sxOTdUY25oOVpycENCZDZoRzVVSWJwem4zcE8xU0tpbFpxeDAzMXYzdTh2TXZmOWVfWi1QQ1VNMUpJUVctQnJMZVBVMVE0SmtfZWdrZWZqU2M0ZjZaZncxbEtObmt4enp0WVJPbnNvai13c1NxSnAtejV3V0gyZXJvYmZ6eWlDTEt1M0EtbVlZTGRDemtRaDNxSnJ1RmItcy1VRC1obnc?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11507 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/51.json (key "11507", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide