# FIDELITY BANK
BATON ROUGE, LA · FDIC certificate 32511 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $120.5M | |
| Deposits | $110.3M | |
| Loans and leases | $83.0M | |
| Total equity | $9.9M | |
| Loans / deposits | 75.30% (p67 of band) | 66.54% |
| Liquid assets / assets | 22.21% (p17 of band) | |
| Uninsured deposits / deposits | 8.67% (p34 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.73% (p10 of band) | 10.04% |
| Unrealized securities loss / equity | 0.00% (p11 of band) | 2.48% |
| AOCI / equity | -2.62% (p3 of band) | |
| ROA (annualized) | -1.40% (p3 of band) | 0.72% |
| Net interest margin | 4.04% (p75 of band) | 3.55% |
| Efficiency ratio | 125.96% (p97 of band) | |
| Noncurrent loans | 1.06% (p47 of band) | 1.19% |
| Net charge-offs (annualized) | 5.43% (p100 of band) | |
| Reserve coverage of noncurrent | 0.57% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 85.02% (p94 of band) | |
| Auto loans | $155,000 (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.2% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | losing money, noncurrent p90 |  |
| 2012-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking | losing money, noncurrent p90 |
| 2012-06 | 4 |  |  |
| 2012-09 | 5 | uninsured deposits leaving |  |
| 2012-12 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 6 | losing money, expense ratio p90, charge-offs p90, deposits shrinking, assets shrinking |  |

## 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=32511 (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/63.json (key "32511", 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