# FIDELITY BANK
DEARBORN, MI · FDIC certificate 33883 · asset band $300M-1B · latest filing 2011-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $818.2M | |
| Deposits | $747.6M | |
| Loans and leases | $659.4M | |
| Total equity | $15.2M | |
| Loans / deposits | 82.32% (p64 of band) | 76.92% |
| Liquid assets / assets | 19.60% (p22 of band) | |
| Uninsured deposits / deposits | 7.31% (p26 of band) | 12.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.56% (p49 of band) | |
| FHLB advances / assets | 6.56% | |
| Tier 1 leverage | 1.86% (p1 of band) | 9.47% |
| Unrealized securities loss / equity | -0.79% (p7 of band) | 3.82% |
| AOCI / equity | 5.96% (p88 of band) | |
| ROA (annualized) | -2.64% (p3 of band) | 0.70% |
| Net interest margin | 4.20% (p78 of band) | 3.76% |
| Efficiency ratio | 83.30% (p83 of band) | |
| Noncurrent loans | 11.86% (p97 of band) | 2.06% |
| Net charge-offs (annualized) | 1.48% (p90 of band) | |
| Reserve coverage of noncurrent | 56.20% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 239.06% (p98 of band) | |
| Auto loans | $85,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 184 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, leverage <5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 | losing money, charge-offs p90 |  |
| 2011-09 | 8 |  |  |
| 2011-12 | 8 |  |  |

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

- 2026-05-18 [Fidelity Bank gets new executive vice president, chief banking officer - Times Leader](https://news.google.com/rss/articles/CBMirwFBVV95cUxQMHRhOXM5WEF6b1dUSGxhZEZIV3oyVDBZcjhkZFc3QTJ3WXlFTThEeDlpZmtUTFg3cTR2NEoxbXFxNndiSEZON1J2c21YLVppNmdpS1dUNEpXbkVlbGpXWmRLdm1PZFdzQmVFUFlvS1hxZThRa0xDNDQ5R2VOS2JpYnRjdWNHSFFqRENVVXpreWY2TWpKSHQ1S2ZnVGI2YmVrNzBmaVRQWFl1by1HLWRn?oc=5) · Times Leader
- 2026-05-30 [Demolition of former Fidelity Bank begins Monday, with celebration on Saturday | Easton Area - WFMZ.com](https://news.google.com/rss/articles/CBMiqgJBVV95cUxPNWJFbHF1Y1FJUHU3VFVRcEJzbVY5TklJU0hybFJHeVZ5MUJFSEVvN2ZPd2w5Q0VPb0pUT1NnMTFWLXliU2xYU0lwV2Y1aEh5YnVjT3RTQ3c1SjFPdUdfQmFVM1lORFdOVVEzNjJhS1cyb2s1bmJ1NzJrRW5iRmlDNTZXLWhqS1RSWkxuNjBONXFpSkFRZzhzZ1c1cDQ0OWtRQXAwb3lDajFyTWpINExMaVpBVVZPM2lYa3BZZmp0LUhhVXU4Q0c3OG1DNW00aVRlckRNQUlNUGNNVzV5MzZsd3RZRDc5cXR6WXRHb1d1LWN5TXBvRy1aQldvZ1FYeFlYY2N0aU9QQVg4QUhkN05KS3BMU3pBQWF4XzM1QjlXMFVpOHZ4SUlkSlNn?oc=5) · WFMZ.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 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
- 2018-09-09 [Fidelity Bank sees returns on investing in employee training - Worcester Telegram](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNalZ0a0xrUUNPcmc5QURlUDVBV2p2ODNIOS10VWZXaEZJN29meTZvUlNPUE9HS0s4NjhCbVNYTkFVbzdHRHNld1RWa2paZ0xWeXNZQjhKZWlOTjc0UDh0eWZZVW9fUXpEQ3Jwbld3Q2ZiWEMtYnViQTJWcFlOcmJRRWlGRENWV21Nc2JZODI5Wmxfb296R0RpbHg0ZEVtMmdGUjBOOEo2aUdDSk9SMXV3WTk4QTUxU3NoV3NUbzhRYmE0Zw?oc=5) · Worcester Telegram
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33883 (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/27.json (key "33883", 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