# FIDELITY BANK
NEW ORLEANS, LA · FDIC certificate 28316 · asset band $1-10B · 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 | $1.23B | |
| Deposits | $857.6M | |
| Loans and leases | $746.0M | |
| Total equity | $243.7M | |
| Loans / deposits | 86.20% (p48 of band) | 87.10% |
| Liquid assets / assets | 31.25% (p77 of band) | |
| Uninsured deposits / deposits | 13.94% (p8 of band) | 30.76% |
| Brokered deposits | 3.79% | |
| Wholesale funding | 12.86% (p73 of band) | |
| FHLB advances / assets | 9.07% | |
| Tier 1 leverage | 20.32% (p98 of band) | 10.50% |
| Unrealized securities loss / equity | -6.45% (p56 of band) | -7.75% |
| AOCI / equity | -1.85% (p5 of band) | |
| ROA (annualized) | 0.13% (p3 of band) | 1.26% |
| Net interest margin | 4.40% (p84 of band) | 3.70% |
| Efficiency ratio | 91.78% (p98 of band) | |
| Noncurrent loans | 1.85% (p90 of band) | 0.51% |
| Net charge-offs (annualized) | 0.15% (p81 of band) | |
| Reserve coverage of noncurrent | 49.43% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 15.32% (p14 of band) | |
| Auto loans | $430,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -6.7% | |
| Employees | 210 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 4 |  | losing money |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 2 |  | deposits shrinking, assets shrinking |
| 2014-06 | 3 | capital falling |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | deposits shrinking |  |
| 2015-06 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2015-12 | 2 |  | reserve under noncurrent |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | deposits shrinking |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 3 | loans exceed deposits |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 | wholesale funding >15% | loans exceed deposits |
| 2018-09 | 3 |  |  |
| 2018-12 | 1 |  | capital falling, wholesale funding >15% |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 3 | deposits shrinking |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | charge-offs p90 | assets shrinking |
| 2020-06 | 2 | loans exceed deposits, wholesale funding >15% | expense ratio p90, deposits shrinking, charge-offs p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | wholesale funding >15% |
| 2021-03 | 1 | expense ratio p90 | loans exceed deposits |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 1 |  | capital falling, charge-offs p90 |
| 2022-09 | 2 | uninsured deposits leaving |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 4 | charge-offs p90, deposits shrinking | uninsured deposits leaving |
| 2023-06 | 6 | wholesale funding >15%, losing money, uninsured deposits leaving | assets shrinking |
| 2023-09 | 7 | capital falling, noncurrent p90, reserve under noncurrent | deposits shrinking, losing money |
| 2023-12 | 4 |  | charge-offs p90, uninsured deposits leaving, noncurrent p90 |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 4 |  | losing money |
| 2024-09 | 5 | losing money |  |
| 2024-12 | 4 | noncurrent p90 | wholesale funding >15%, capital falling |
| 2025-03 | 3 |  | losing money |
| 2025-06 | 2 |  | noncurrent p90 |
| 2025-09 | 6 | capital falling, noncurrent p90, deposits shrinking, assets shrinking |  |
| 2025-12 | 4 |  | deposits shrinking, assets shrinking |
| 2026-03 | 4 | wholesale funding >15% | capital falling |
| 2026-06 | 3 | deposits shrinking | noncurrent p90, wholesale funding >15% |

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

- 2026-01-23 [After mortgage exit, can Fidelity Bank grow or is it headed for a sale? - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2026-01-05 [First Federal Bank Announces Agreement to Acquire NOLA Lending Group, a Division of Fidelity Bank - PR Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOYUc1S2JjYlY2ZFJkb0dYbFdJbXpBTmFhZkxxaFNsNGpCX19HRFVsbTgxTWUxcTliTHB2Zmlib0ZOb1pMeko2YWVlZ0tsbjluNEFEakx4WGZYTERGMDNDV0hiUkhJcDF6Rm5faE9jOC1QUUNhQWhDSmF0VUlISU9WaDlZTmJVN19KekxyaXhUUHdIaVlLQ0sxZEduN3ZjQ1dBdjYwU3A0RXNWSTVoWldRT2JCUUtMaE1wWGNRdGtfZE5rd2NpOWxvVDg3YUxpeG5zNFdzZ0Fia1FHb1R2OEExLWNjSnRmclk?oc=5) · PR Newswire
- 2026-08-03 [BaumTech and Fidelity Bank Signal Shift in How Louisiana Community Banks Manage ATM Networks - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMi3AFBVV95cUxOVjhNMTFXTkExNWpWUklzV191S3pZNTJwMWpJOHo3R3pkWWN4SVZtc0piaElzbGZ2cVFLa0NsZ3RQVklBeWtIcWluVmdJRlo5Wkc5ejZTUjhWYVVJZ1g2REJQdXdLZzZZRzhWNGdwRzc5bWo1ZUxGMWJyWTduRW5hS0FYYXZTcHBMTFR3TF8zRElaWkxEcldXdWZsVVRMV1NLRkd3Q00yNENuVENpcDY3ZVJhQ2hzcDVtRURIUEdmSFp4VlVEaE1PNy1uUzhFQ3U1NXZrejFjUHNjMlBH?oc=5) · New Orleans CityBusiness
- 2025-11-10 [Video: Slidell police release video of Fidelity Bank robbery - WWLTV.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxPWXBXV0hMcURUekU2RGZ0ajJ4bkRmYWpRVmJYOHdTVDFJOUsyN255RWpTVTZXMjR5Y2toV2wxU0lfekxnOFdOREtzOE1UQUV3Z1hPUndjTElVMWNwNnN0V1otTzYxckVUeVRnWkphajAwQTZmSk8xTjI5R293aXVJeTk4Z1Z0NUt3RVo1TExUZGZBbWhYTU5KRjhlR055RDlVTDg3Tm1ic0tNVy1aWkw5d0RUTkVxa3l4bmNmY09DYXVITGlNRFVEZ2o3X1NHRmI4YlEtUU9OODd6V0tNM0tfY0QwTVY0U3VrVzlYV2w2aEp1NktFZnEwSVRhZUFUS1U3VUxUSU85Q2I?oc=5) · WWLTV.com
- 2025-11-09 [Slidell police investigating bank robbery. Here's what we know - WDSU](https://news.google.com/rss/articles/CBMidEFVX3lxTE13ZHBZME9ZZTh1cGRqTGRKTUdoOHJBYjlOdVhuQ1ZUSDZ1TWcwSmk3M2pOYlVTRndMRXhiOHg0b2RDd205Rk1iUzY4cGtqbXpGTVZ4Vm1MQk8zOEJUWXRuVEVESVJZN09SRGpFc3dDZ1JfOVM0?oc=5) · WDSU
- 2026-01-05 [First Federal Bank acquires Fidelity Bank’s mortgage division - HousingWire](https://news.google.com/rss/articles/CBMickFVX3lxTE51Q2tadk5MOHdaRDNtQlphSzZtdmhzckFpNHV0LUdTcG4zWm9kUjVMOE85ZFlOVkFsYUNMeGVPWHE5Yjh6dEZwdDVMMVIyRlZyeG9INWhVOUVyOGRaSDBXVTZraDR2V1FnSHlMZFVfMWFZZw?oc=5) · HousingWire
- 2026-02-18 [Fidelity Bank’s holding company plans to sell NOLA Lending Group, cut 108 jobs - New Orleans CityBusiness](https://news.google.com/rss/articles/CBMilwFBVV95cUxPd0RRbFZtR002S1FsTXpLd0FTLVFPVTdtdVNXbmVzbDR2TmZtVEp5N3NQMzFYeWJCZ0NxcHhfS2FmY3A0TktiMzhBd1FUZUJPeXJicm1McmVvVmxuQjZmYTIxbEwwaWI1cHBRQ1IzUGd6ZTVzQ2U0anBtcWdHU0dOUEZqelFtRXl2Sm95aTFLRjg2SHFJczZn?oc=5) · New Orleans CityBusiness
- 2026-02-23 [Mary Ellen Judlin Obituary - New Orleans, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxOdy1jYkpINjFtbktCVHRLTlM2N1pMUENjUG81MF9DYTN6QkVTY2tEZFFjVDJjNzh1dk1VaHFqYU4tZGJtOVRSSVJRTDZka0RjcV9TV3lTT3IwWUZWWG1JUmVGZUo2Q2M0OXU0b01SWkxkaURzTTkxTEphcno3c3JUYkcwTkp2Z0dqZGhyMA?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28316 (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/28.json (key "28316", 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