BlastPoint's Banking Scorecard
The Fidelity Bank
Community
Specialty: Commercial
NC
FDIC cert 11507
Fuquay Varina, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
The Fidelity Bank shows strong momentum with 1 strength and 10.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 21.59% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.4B
+10.2% YoY
-2.0% QoQ
|
+$3.0B |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$2.8B
+7.8% YoY
+1.6% QoQ
|
+$1.8B |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$3.9B
+7.9% YoY
-2.9% QoQ
|
+$2.8B |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.74%
+8.7% YoY
+2.6% QoQ
|
+0.57% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
3.99%
+4.5% YoY
+1.2% QoQ
|
+0.33% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
49.59%
-6.4% YoY
-1.9% QoQ
|
-13.04% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
85% |
| Delinquency Rate ? |
0.27%
-55.1% YoY
-58.4% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
71.39%
-0.0% YoY
+4.6% QoQ
|
-11.67% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
42.63%
+0.1% YoY
-4.8% QoQ
|
+21.59% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-56.1% YoY
-57.8% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
15.83%
+10.9% YoY
+3.7% QoQ
|
+5.58% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.86%
+1.5% YoY
+40.4% QoQ
|
+0.13% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Community
Why this stands out
Current:
42.63%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Deposits
Current: $3.9B · Tier avg: $1.2B
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 42.63% · Tier avg: 21.05%
97
97th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M
85
85th pctile
Efficiency Ratio
Current: 49.59% · Tier avg: 62.63%
85
85th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.83% · Tier avg: 10.24%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
70
70th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
21
21th pctile
Loan-to-Deposit Ratio
Current: 71.39% · Tier avg: 83.06%
Top Weaknesses
21
21th pctile
Loan-to-Deposit Ratio
Current: 71.39% · Tier avg: 83.06%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
70
70th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.83% · Tier avg: 10.24%
85
85th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
85
85th pctile
Efficiency Ratio
Current: 49.59% · Tier avg: 62.63%
97
97th pctile
Total Loans
Current: $2.8B · Tier avg: $975.5M
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 42.63% · Tier avg: 21.05%
98
98th pctile
Total Assets
Current: $4.4B · Tier avg: $1.4B
99
99th pctile
Total Deposits
Current: $3.9B · Tier avg: $1.2B