# FIDELITY BANK
WICHITA FALLS, TX · FDIC certificate 57621 · asset band $300M-1B · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $526.2M | |
| Deposits | $389.9M | |
| Loans and leases | $395.3M | |
| Total equity | $113.9M | |
| Loans / deposits | 101.29% (p87 of band) | 85.79% |
| Liquid assets / assets | 9.08% (p4 of band) | |
| Uninsured deposits / deposits | 31.55% (p78 of band) | 21.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.80% (p46 of band) | |
| FHLB advances / assets | 3.80% | |
| Tier 1 leverage | 11.23% (p61 of band) | 10.63% |
| Unrealized securities loss / equity | 0.04% (p25 of band) | 0.67% |
| AOCI / equity | 0.03% (p8 of band) | |
| ROA (annualized) | 1.32% (p66 of band) | 1.11% |
| Net interest margin | 3.57% (p38 of band) | 3.74% |
| Efficiency ratio | 41.91% (p4 of band) | |
| Noncurrent loans | 1.18% (p79 of band) | 0.53% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | 8.40% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 17.62% (p25 of band) | |
| Auto loans | $4.4M (1.11% of loans; DQ 10.84%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | loans exceed deposits |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 2 | wholesale funding >15% |  |
| 2017-03 | 3 | capital falling, charge-offs p90 | wholesale funding >15% |
| 2017-06 | 3 | construction >100% equity | charge-offs p90 |
| 2017-09 | 1 |  | capital falling, construction >100% equity |
| 2017-12 | 2 | charge-offs p90 |  |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | loans exceed deposits |
| 2019-03 | 3 | liquid assets <10%, NIM <2.5%, reserve under noncurrent |  |
| 2019-06 | 3 | loans exceed deposits | NIM <2.5% |

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

- 2026-03-18 [Central Texas Banking Boom: Groundbreaking Times Two - KWKT - FOX 44](https://news.google.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?oc=5) · KWKT - FOX 44
- 2025-10-06 [Fidelity Bank tabs industry veteran to lead commercial banking in key Midwest markets - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPRnoyZUlocWJIYjFpVGxZZ2Q1YVNLQ0dSN25BSVZuTlU4LVRSREJnMzk5NWFlNkJHMGZuU001Q3NlQmFDYlprdFRtbnUtZFpSYTNLdkk3c1JRWXVhLUp3T3JncUx6MTRJY01VSmE3Y0FqcFJ6TTBCYU43a0VOSWE2bkZuUVJ2dXBOR2RHb0xuckV3WUVpcjlRUmp1MVFEaHJ2VThYY3gzTQ?oc=5) · The Business Journals
- 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
- 2023-10-30 [City of Houston, Texas, USA proclaims October 25 as FITCC Day - fidelitybank.ng](https://news.google.com/rss/articles/CBMikgFBVV95cUxOUlVlakNtRWFUazA2aVE2TnllRDVZLTZZZm1fMk9ZcDZNUjk2VDZhY0NVSUxuTVdtRVhKZ1FveUZIVG56U2hadi1SdzBEaW5tTi1tOUhtTjROQzBKVHU2cDFqVkdpdUNtby14SVdEOFF0TGZlZ3hESl9qYnFHb2d4Wlp1QmlxWGJtaEJXSGxEZ1hWUQ?oc=5) · fidelitybank.ng
- 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
- 2024-03-19 [Helix Helps Fidelity Bank Launch New Digital Bank to Serve Communities Across Louisiana - Business Wire](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQZDJDTXFxanpUQ2h4TjE0dEd1bjVhaWxqRWVFcTE4QU5HSkFTeldudm1rbXgyNzlLa05kRW9ycENEVUVWbGtOTzcySU4wQ1VBRHFNNG02U0NnSmdVc3Z6VURiY2x6NHd0LXMtNEhaNElGTnFWY1VEcDhwTEJwbDhxaVR3SWZNUmhPUjBwN1NMSENiX29pcEdvbFo4YTlMQUpyUEhsTThZdmFETUZTVUJYMGs4RU9IbEFSNS1uSEZ4eGcwaWtNSHBjUkI1N0toVHhDTWQ4YVllaVkxSnpG?oc=5) · Business Wire
- 2018-11-14 [FirstCapital, Fidelity banks to merge - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMipwFBVV95cUxOeTNoWmdzcG1RNDlrQURXSWVhNWtiN1Vub2Y3QkRqdTFGaXpTbFhpUmgxemlPX09QS0wwbTNaS1FFay1fTU9IdWtEMjRyR1YtRE9md2VJM1dsUTdwajQ1RHpUVlFCZXotbWdJUjBKVF80RmlpQWFodEJ5bXZrdlptQnRDUXhnNHNBV0JZMlhraHY4YU1wYmM3ZWtQcHdsRG11cVllZzNNcw?oc=5) · Lubbock Avalanche-Journal
- 2022-12-16 [Lamar Street Investment Partners and Fidelity Bancshares Acquires Fidelity - citybiz](https://news.google.com/rss/articles/CBMiswFBVV95cUxQZ1Y3U21uX2dkVWROQnNGUjVIbWdBWEJvRHlqWUpBNlVjbXBSSlZwM3RmeVpuRURPdm9uMlRWbWNnMUJzRnQ1OUxBcFZmc2xoeTFGdTZDelNkVXhDQnZmWGJ6ZzhIS3A3ZmdYS0lrZTI3NV9SSGliTmtXbmxVb0cteHdVT2IzZlRpZk5neTZWUFl0a2RTM0VmSEp1QVp1YlhGMW50Z211dHk2d0dZQXRQRjdmMA?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57621 (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/21.json (key "57621", 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