# FIDELITY BANK
ATLANTA, GA · FDIC certificate 21440 · asset band $1-10B · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $4.78B | |
| Deposits | $4.08B | |
| Loans and leases | $3.92B | |
| Total equity | $442.0M | |
| Loans / deposits | 95.26% (p67 of band) | 90.32% |
| Liquid assets / assets | 11.38% (p11 of band) | |
| Uninsured deposits / deposits | 31.97% (p61 of band) | 27.10% |
| Brokered deposits | 1.93% | |
| Wholesale funding | 4.30% (p34 of band) | |
| FHLB advances / assets | 1.57% | |
| Tier 1 leverage | 8.64% (p10 of band) | 10.33% |
| Unrealized securities loss / equity | 2.08% (p83 of band) | 0.55% |
| AOCI / equity | 1.41% (p42 of band) | |
| ROA (annualized) | -0.57% (p1 of band) | 1.18% |
| Net interest margin | 3.58% (p47 of band) | 3.62% |
| Efficiency ratio | 111.33% (p100 of band) | |
| Noncurrent loans | 1.78% (p92 of band) | 0.48% |
| Net charge-offs (annualized) | 0.13% (p83 of band) | |
| Reserve coverage of noncurrent | 44.79% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 72.11% (p78 of band) | |
| Auto loans | $1.30B (33.22% of loans; DQ 0.25%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 1206 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, auto book souring |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 3 | liquid assets <10% |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | loans exceed deposits, charge-offs p90 |  |
| 2013-06 | 2 |  | liquid assets <10%, loans exceed deposits, charge-offs p90 |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2014-09 | 3 |  | loans exceed deposits |
| 2014-12 | 5 | loans exceed deposits, capital falling |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 5 | expense ratio p90 | auto book souring |
| 2016-06 | 6 | auto book souring |  |
| 2016-09 | 4 |  | capital falling, expense ratio p90 |
| 2016-12 | 4 |  |  |
| 2017-03 | 2 |  | liquid assets <10%, loans exceed deposits |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 5 | loans exceed deposits, liquid assets <10%, expense ratio p90 |  |
| 2018-03 | 5 | capital falling | expense ratio p90 |
| 2018-06 | 7 | expense ratio p90, noncurrent p90 |  |
| 2018-09 | 4 |  | loans exceed deposits, capital falling, noncurrent p90 |
| 2018-12 | 4 | noncurrent p90 | liquid assets <10% |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | losing money |  |

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

- 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
- 2026-04-01 [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
- 2026-08-04 [Fidelity Bank Completes Affinity Bancshares Acquisition And Reaches $5.5 Billion In Assets - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2026-07-31 [Fidelity Bank (Atlanta, Georgia) Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNSkU1WGw0ekE3MVRvUnlPR2ZDSEpwMDFXTUJ3OWRyb2l2WmtGNEZLY0taVjJ0MlYyWHhNMU9kX0xWUkQtMmNpNGZBaHUxdkFmV2V1RGZjM1VJd0xWRHlYSXQtcUNZUG1USW41QmVGVFJZMmRnbElJcUZCV2pERFduOWpnZw?oc=5) · reveliolabs.com
- 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
- 2026-07-31 [Fidelity Bank completes acquisition of Affinity Bancshares By Investing.com - Investing.com Nigeria](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPT2tXSzlKYUVtWEVramxtOW5STi1kUzB5UlRCNHNCbEM2X01GVC1SRENmUC00QS1ZZlA3bmc2OWJ4SVlCcWZFeEZoY0hsXzlBTEFUUDM2NXY1dnBGRFJsZmdUc3ZEVzh3UTJmTEVzeThGZm42bHJBcXFVdXk1Q1VwaTg4VEF5aGVyRjVqRnFQTFVZZWprcWF2M1RMT3ZCcncxWlhodE9VWUU2TFdXbHRCTGtDY2RCOEVnai00?oc=5) · Investing.com Nigeria
- 2026-04-01 [Fidelity BancShares to acquire Affinity for $142.8m - Retail Banker International](https://news.google.com/rss/articles/CBMijAFBVV95cUxPemhPWVpKbjRKUzlybjA5UG9PTXBtekJ3R0xVeDY1SVlTMnhyUHNpQ3ZmeWV4RF9ldy1VOWpPM0pFZ082QlBmOVlDeDVNb2NzYWlWZXlVUHVRdEx2eXNJb1B4SWVfOXJLWE1GVGp4RHdUZ05zLWRtUlBVQldwYXp5Z3BjN1JYVGpLVDdVQw?oc=5) · Retail Banker International
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21440 (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/0.json (key "21440", 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