BlastPoint's Banking Scorecard
Fidelity Bank
Community
Specialty: Commercial
AR
FDIC cert 19644
West Memphis, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Fidelity Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 26% in Community
- - Deposit Outflow: Bottom 49% in Community
- - Loan-to-Deposit Ratio 29.75% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$553.1M
+1.9% YoY
+1.2% QoQ
|
-$838.3M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$264.2M
+7.3% YoY
+1.8% QoQ
|
-$711.3M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$495.5M
-3.0% YoY
+1.7% QoQ
|
-$669.1M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.10%
+37.4% YoY
+2.1% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
2.80%
+5.1% YoY
+0.3% QoQ
|
-0.86% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
62.30%
+1.4% YoY
-1.6% QoQ
|
-0.33% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? | 0.72% | +0.09% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
53.32%
+10.6% YoY
+0.1% QoQ
|
-29.75% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.67%
+1.3% YoY
+2.0% QoQ
|
+2.63% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? | 0.34% | -0.16% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.29%
-41.4% YoY
+32.1% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#112 of 432 · Bottom 26% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#122 of 248 · Bottom 49% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
53.32%
(Tier avg: 83.06%, National avg: 78.04%)
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
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.67% · Tier avg: 21.05%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
49
49th pctile
Efficiency Ratio
Current: 62.30% · Tier avg: 62.63%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
12
12th pctile
Total Deposits
Current: $495.5M · Tier avg: $1.2B
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
8
8th pctile
Total Assets
Current: $553.1M · Tier avg: $1.4B
5
5th pctile
Loan-to-Deposit Ratio
Current: 53.32% · Tier avg: 83.06%
3
3th pctile
Total Loans
Current: $264.2M · Tier avg: $975.5M
Top Weaknesses
3
3th pctile
Total Loans
Current: $264.2M · Tier avg: $975.5M
5
5th pctile
Loan-to-Deposit Ratio
Current: 53.32% · Tier avg: 83.06%
8
8th pctile
Total Assets
Current: $553.1M · Tier avg: $1.4B
11
11th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.66%
12
12th pctile
Total Deposits
Current: $495.5M · Tier avg: $1.2B
21
21th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
49
49th pctile
Efficiency Ratio
Current: 62.30% · Tier avg: 62.63%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.67% · Tier avg: 21.05%