# FIDELITY BANK OF TEXAS
WACO, TX · FDIC certificate 21455 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $162.8M | |
| Deposits | $132.5M | |
| Loans and leases | $109.8M | |
| Total equity | $24.2M | |
| Loans / deposits | 82.30% (p66 of band) | 73.59% |
| Liquid assets / assets | 21.97% (p27 of band) | |
| Uninsured deposits / deposits | 29.57% (p80 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.31% (p66 of band) | |
| FHLB advances / assets | 3.31% | |
| Tier 1 leverage | 10.65% (p35 of band) | 11.76% |
| Unrealized securities loss / equity | -0.02% (p91 of band) | -6.57% |
| AOCI / equity | -0.02% (p70 of band) | |
| ROA (annualized) | -0.55% (p4 of band) | 1.17% |
| Net interest margin | 4.32% (p69 of band) | 3.93% |
| Efficiency ratio | 106.28% (p95 of band) | |
| Noncurrent loans | 0.05% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 1354.90% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 64.29% (p86 of band) | |
| Auto loans | $520,000 (0.47% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 23.5% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 2 | capital falling, reserve under noncurrent |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 4 |  | charge-offs p90 |
| 2013-12 | 4 |  |  |
| 2014-03 | 2 |  | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 3 |  | uninsured deposits leaving |
| 2019-09 | 4 | uninsured deposits leaving |  |
| 2019-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | capital falling | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | expense ratio p90 |  |
| 2021-03 | 4 | losing money, NIM <2.5% |  |
| 2021-06 | 5 | uninsured deposits leaving |  |
| 2021-09 | 3 |  | capital falling, uninsured deposits leaving |
| 2021-12 | 4 | uninsured deposits leaving |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 3 |  | uninsured deposits leaving |
| 2022-09 | 1 |  | expense ratio p90, NIM <2.5% |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | losing money |
| 2023-06 | 1 | deposits shrinking |  |
| 2023-09 | 1 | NIM <2.5% | deposits shrinking |
| 2023-12 | 2 | deposits shrinking |  |
| 2024-03 | 0 |  | NIM <2.5%, deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 2 | losing money |  |
| 2025-03 | 0 |  | capital falling, losing money |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 4 | losing money, expense ratio p90 | noncurrent p90 |
| 2026-06 | 3 |  | reserve under noncurrent |

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

- 2026-04-01 [KCEN launching Third Annual Book Drive for Central Texas Kids - kcentv.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOOG1xNU9CRnBlTWEzV25EZEpwTWJMOTBETE9Nc0VFU3U1aUNHOFVmWE5EZlhMSkhldW1BMmhyaEw1b09xU3gyV2JLMFdSUW9pclNSYnBsX2hOWWF0emMwUHd1TENCbDVJbHJXS24xYU1kWGZuRDdObWpuWnFWcEc5Um5XY1lRUzFsWHBXemplUTN0SVhCRS1wMGRiZ05qejBxRWFoWXhyakxXS1JKSWlQZjRPNXBQVWlDVWRHYVVXb2laYWZmX1RrX1ptaWVLMUI5d2M4?oc=5) · kcentv.com
- 2025-05-15 [Preston Simons, Hired at Fidelity Bank of Texas - Dallas Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxNN0NlWkthTXZoZHhna3R3SUZTRUxoUVJpUm1oMjYzLXoxZENtdnRDd2hLUVdndm1BQnBaUjEtb0lxYVVLcVFnclhhU3Z5S3FiYjVfQXdsUHdydTIxVUJGazdHY0d2WlRuS0J0VUg5bU40RW9vQW52SzJqcGQzd2ttd2lsSXpjazJKZ1U2eFUzaw?oc=5) · The Business Journals
- 2025-07-10 [Fidelity Bank adding Highway 84 headquarters to go with new owners, more capital, fresh logo - Waco Tribune-Herald](https://news.google.com/rss/articles/CBMilAFBVV95cUxQUzdkRGxNVUtfMUZTdjdTYUlTR0RQVjcxeXZUSmQ2YnpCaTVwQ2dRQUoxWm0wY01TaVNES3dudmFZOEtfakNjSlpCMXZleFN5ZWV0eXgtNWZ3Q2NIYkpyczZNVXVXcHl4UlU4S2JleW91cjRnVG5SbFd4RXZCVXA5Wm1KRHE3bkhTYllBbVFrVUw5eF81?oc=5) · Waco Tribune-Herald
- 2022-10-26 [Waco man charged in bank burglary said he had AIDS moments after he bit, spit on officers - KWTX](https://news.google.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?oc=5) · KWTX
- 2022-10-26 [Waco man in attempted bank robbery bit arresting officers - KXXV](https://news.google.com/rss/articles/CBMipgFBVV95cUxOa0J0d2k0clBMUG1wd0UzdlFXTzVwM3ZxSmg5WWl6NVM4Qk9QcVctenp4dmFIMExwc1hRczVVc0pSUXpXdEdOaElVRHM3dExUTXVwRmdkSHBjNXRJRThzd3BQQ0c3RkVCY0UzSDlvSzA5S3BKVW9TcTdvOWgtb2N2OEpqMWQ0Nm9aTTJXaTcxS3JVSTUyRjdIeldQdTdUZG5SNVNMSFF3?oc=5) · KXXV
- 2024-10-03 [Edna Pearl Farney Obituary Jun 6, 2005 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9KVEdES25ZbkJSUkJ3d3FsQ3hTZFBTX1RpSVdoZWFJSHVka1R6Q2d6UTZONmpqQ21HbUtLbjdMUklqQjdmVDdnTXZkanZKd0taREhXMHdndGkzTkdYNFBzeWZjemc?oc=5) · Wilkirson-Hatch-Bailey Funeral Home
- 2025-05-21 [Google Wallet adds a whopping 36 new banks and credit unions in the US - androidpolice.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOUHlHWEtUM09hRnNKOFF5U2JBQzdqN2ZvYXN4N0JXS1lXM09mVjMwTFhRU3AyYVNNR1M0Nm5QWWdjSXExbWd1ekZud1B1bVdTQVpaTGhBb01sZEVoMnhERmN6cTl2YlJzVlJaX3BPNXpJNk5hRm5HN094TGJReUZ6M3Q1ek5PU01F?oc=5) · androidpolice.com
- 2026-04-20 ['We’re grateful to be part of this effort' | KCEN Book Drive enters final week - kcentv.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxNY2FfZjRZa2tfb2dZcldQVDlNYm9KWWIycWcwWUVZQzhkeWFKbE1mSEwxbmVlbkoxWDc4SWtfa1ZVUmg2XzdEOF9WOWxpc0JSU1NFWUJ3Z0IwQmxRUVRIbi1GZTd4T2dPZnNPR1pVNHRuNGhQWWxOYU5LdmtEczZ0R0ItcFI5MHZDdTVDYVBCTnhNU1BjbDVUZl9VMVBIQVdiVnEtYlN0MzRtQm5RVXVLSGZkR1NGaU0?oc=5) · kcentv.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21455 (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/15.json (key "21455", 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