# FIDELITY BANK
WEST MEMPHIS, AR · FDIC certificate 19644 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $546.8M | |
| Deposits | $496.3M | |
| Loans and leases | $257.0M | |
| Total equity | $47.5M | |
| Loans / deposits | 51.08% (p6 of band) | 82.04% |
| Liquid assets / assets | 50.27% (p92 of band) | |
| Uninsured deposits / deposits | 37.49% (p84 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.07% (p80 of band) | 10.81% |
| Unrealized securities loss / equity | -50.56% (p4 of band) | -8.10% |
| AOCI / equity | 0.06% (p83 of band) | |
| ROA (annualized) | 1.28% (p50 of band) | 1.28% |
| Net interest margin | 2.96% (p9 of band) | 3.91% |
| Efficiency ratio | 59.23% (p44 of band) | |
| Noncurrent loans | 0.74% (p65 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 184.27% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 37.08% (p44 of band) | |
| Auto loans | $821,000 (0.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 62 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | AOCI drag >20% of equity |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | uninsured deposits >50% |  |
| 2014-12 | 0 |  | uninsured deposits >50% |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 1 | uninsured deposits >50% |  |
| 2016-06 | 0 |  | uninsured deposits >50% |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 | assets shrinking | reserve under noncurrent |
| 2018-12 | 2 | deposits shrinking |  |
| 2019-03 | 0 |  | assets shrinking, deposits shrinking |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 4 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 1 |  | deposits shrinking, AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 2 | AOCI drag >20% of equity | NIM <2.5% |
| 2024-09 | 2 | charge-offs p90 | AOCI drag >20% of equity |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-04-10 [How Fidelity Bank raised more than N500bn to meet CBN’s capital rules - Business News Nigeria](https://news.google.com/rss/articles/CBMirwFBVV95cUxNTGhkd3U2UUtJLVRENUpfTHAzSWlUNEYtM0FjMUI0Qlk5UXpOT2dXRG5obzM1MTNnSmE2cTJKQWhaRzdvUXptaGNLWElQcFFZRlkzdURibzRKVTlBM0pYMUloTWszZVBsQXFta0Z4T0wtQUNlQjlUNEJNb3NSN2JRQ1RKU1JUTGV1LXdGMjdnMzd5bWZURGpVRWxwTTJqOWlrSmJTbDRZdGVITW82SlU0?oc=5) · Business News Nigeria
- 2026-02-03 [Fidelity bank annual report 2012 - Proshare](https://news.google.com/rss/articles/CBMibkFVX3lxTE1BWGg0akJxaFIwSEFPMnZNT0Q4MjdFSjQ1T2d2NUREN0dhYWYzV01XUjJRQ3FYbzBtUFJVOWtNMFFRcE4xLVo1aXlTNnlaUE1ZUE05d2ZiS3ZpUExjTW5Qa29CX25ya3hwYlV1RU1n?oc=5) · Proshare
- 2025-03-13 [Fidelity Bank of West Memphis Names Kirby Carlson as CEO - Arkansas Business](https://news.google.com/rss/articles/CBMijwFBVV95cUxNTUVxaGUwdkJUa2Y0S1lQS0xYU041aVFveWtfSjEzR3Z5UV9aTWVwd0trTUxqSWpSRExnbktTdFozM1E1MU52elp5bUN3Tko3NW95X01jMWxhNHJ1OUlwV21zcDFuVXNDNm1nanRlMTlHXy1ZelQtaU1ORzhwMzNTSWZadXN2cDZXMkJ0cTduTQ?oc=5) · Arkansas Business
- 2026-07-21 [Fidelity Bank: Amuchie, Garba, Shodipo get 97% of N649.45m shares allocation to twelve staff - Business News Nigeria](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOMVl4YVdBU21RVDFid25QWkxhQlYzRTBSOHliM1V5TGFXV1dvbUlleURtLTRyOWc5SGJhWUlqR3kzTHRfN015S3AxSzlndWlMMXJIQm9XQ3BjX0FSS1pLX2h0Y2F2azNweVp0ZWxsTVY1dV92YWNWMFo4bkRncVBCVXdXOHJLcnV5N2dfV1pHLXNTRHZTbGpsVGJ4VEtjMlFJV0F0U2RLU3dpWURGY0x6Z1dUWENYa2FOb3RKVHJwSVg?oc=5) · Business News Nigeria
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2023-06-01 [Fidelity Bank to Acquire 2 Evolve Bank Sites in Northeast Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMirAFBVV95cUxOX0V5SW56dFJGdHNEZUpnNHBZYTgtN1ZXWEJNbXcwenI3QnI1M2JMLTZjU2tfejdOT3BFTXNIeTVHRzVxaHJickVENmJ0LXY1VmZTN3RLUFB6R2Y3eFdpVldYb0k1OE40OHkxUVl3OUJNUy1lakdDZjBybnJyNFJzaU9zeV9LYXRGRHcxUmVUak16RzF1UXdiRDZpMzh1SFJuNlFoWm1EVmx2ZzRY?oc=5) · Arkansas Business
- 2025-06-24 [Fidelity Bank Partners with Ashoka to Empower Young Innovators - fidelitybank.ng](https://news.google.com/rss/articles/CBMilgFBVV95cUxQZE5yQ1I1eTRBdVVqM01WWTI3aFZHdTlKY3ZEQVZqVE5uSnI2ZDJUTC1kYlVtdVVSbXp2NGRRUlZnOVdPSUxsYm1uNEpwLVZNb1dOMk9DMXk0MnVkVVJ2MVBMTXhBU21YSkZfcG12U2cxZXhIYklKRnh0OVNQWjVHX3RqM0VyMmFMLUliZFI3cEFVbHZqWFE?oc=5) · fidelitybank.ng
- 2026-08-08 [Tinubu Celebrates Fidelity Bank Pioneer MD Nebolisa Arah At 75 - arise.tv](https://news.google.com/rss/articles/CBMijAFBVV95cUxNQUFQZGxTa3lPQ1N2TC1JWWd5aUJxNmlWM0JkTmg1NVBFc0E5djBtWGdkMmw0UmhuN3AtcGZrYUJlbEJnQmZaazN6VUJYbklEQ1I1aXU3N1R2X0JWdzR6UEF1bGplTG1Ebkx2VUw0LWpfUkhlN0h3b2J6Mm4xbk5VeUdOTFNYbkZ0N2JGbw?oc=5) · arise.tv

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19644 (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/60.json (key "19644", 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