# FIDELITY BANK NATIONAL ASSN
WICHITA, KS · FDIC certificate 30895 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $3.30B | |
| Deposits | $2.59B | |
| Loans and leases | $2.60B | |
| Total equity | $324.2M | |
| Loans / deposits | 99.12% (p84 of band) | 87.10% |
| Liquid assets / assets | 13.39% (p16 of band) | |
| Uninsured deposits / deposits | 38.79% (p70 of band) | 30.76% |
| Brokered deposits | 2.89% | |
| Wholesale funding | 14.11% (p77 of band) | |
| FHLB advances / assets | 11.22% | |
| Tier 1 leverage | 9.99% (p37 of band) | 10.50% |
| Unrealized securities loss / equity | -3.06% (p74 of band) | -7.75% |
| AOCI / equity | -0.18% (p59 of band) | |
| ROA (annualized) | 1.16% (p42 of band) | 1.26% |
| Net interest margin | 3.99% (p67 of band) | 3.70% |
| Efficiency ratio | 63.73% (p65 of band) | |
| Noncurrent loans | 0.75% (p64 of band) | 0.51% |
| Net charge-offs (annualized) | -0.05% (p1 of band) | |
| Reserve coverage of noncurrent | 176.50% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 62.24% (p64 of band) | |
| Auto loans | $42.7M (1.64% of loans; DQ 0.15%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 397 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | losing money, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 3 |  | uninsured deposits leaving |
| 2012-09 | 2 |  | assets shrinking |
| 2012-12 | 2 | capital falling | losing money |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 1 |  | reserve under noncurrent, loans exceed deposits, wholesale funding >15% |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2016-09 | 2 |  | brokered >10% |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | wholesale funding >15% |
| 2017-06 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | wholesale funding >15% |
| 2018-03 | 4 | wholesale funding >15%, capital falling, expense ratio p90 |  |
| 2018-06 | 1 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2018-09 | 2 | wholesale funding >15% |  |
| 2018-12 | 1 |  | expense ratio p90 |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 3 | expense ratio p90 |  |
| 2019-09 | 0 |  | wholesale funding >15%, capital falling, expense ratio p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | expense ratio p90 |  |
| 2020-06 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2020-09 | 2 | capital falling | loans exceed deposits, wholesale funding >15%, liquid assets <10% |
| 2020-12 | 1 |  | expense ratio p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | liquid assets <10%, expense ratio p90 |  |
| 2022-03 | 2 | deposits shrinking | expense ratio p90 |
| 2022-06 | 1 | wholesale funding >15% | liquid assets <10%, deposits shrinking |
| 2022-09 | 2 | expense ratio p90 |  |
| 2022-12 | 2 | capital falling | wholesale funding >15% |
| 2023-03 | 1 | wholesale funding >15% | expense ratio p90, capital falling |
| 2023-06 | 0 |  | wholesale funding >15% |
| 2023-09 | 1 | wholesale funding >15% |  |
| 2023-12 | 3 | loans exceed deposits, deposits shrinking |  |
| 2024-03 | 3 | capital falling, charge-offs p90 | loans exceed deposits, deposits shrinking |
| 2024-06 | 3 | loans exceed deposits, deposits shrinking | capital falling, charge-offs p90 |
| 2024-09 | 1 |  | loans exceed deposits, deposits shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | loans exceed deposits |  |
| 2025-12 | 1 |  | loans exceed deposits |
| 2026-03 | 0 |  | wholesale funding >15% |
| 2026-06 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30895 (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/47.json (key "30895", 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