BlastPoint's Banking Scorecard
Fidelity Bank of Texas
Micro
Specialty: Commercial
TX
FDIC cert 21455
Designations: ✓ Community bank
Waco, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Fidelity Bank of Texas has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.77% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.17% above tier
- - Nonperforming Asset Ratio 2.76% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$157.0M
+23.9% YoY
+6.3% QoQ
|
-$60.4M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$104.8M
+42.6% YoY
+2.7% QoQ
|
-$34.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$126.2M
+30.0% YoY
+7.5% QoQ
|
-$57.4M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.65%
+184.8% QoQ
|
-0.43% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
5.62%
+21.2% YoY
+0.0% QoQ
|
+1.77% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
78.53%
-8.7% YoY
-9.7% QoQ
|
+10.80% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
4.81%
-2.7% QoQ
|
+4.17% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
83.01%
+9.7% YoY
-4.4% QoQ
|
+8.48% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
22.11%
-15.2% YoY
+5.9% QoQ
|
-0.29% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
3.21%
-5.9% QoQ
|
+2.76% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.27%
-38.6% YoY
+24.5% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.62%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.81%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.21%
(Tier avg: 0.45%, National avg: 0.48%)
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
96
96th pctile
Net Interest Margin
Current: 5.62% · Tier avg: 3.85%
64
64th pctile
Loan-to-Deposit Ratio
Current: 83.01% · Tier avg: 74.53%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.11% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Total Loans
Current: $104.8M · Tier avg: $139.2M
40
40th pctile
Total Assets
Current: $157.0M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $126.2M · Tier avg: $183.7M
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 78.53% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 4.81% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.21% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.21% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.81% · Tier avg: 0.64%
22
22th pctile
Efficiency Ratio
Current: 78.53% · Tier avg: 67.73%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
38
38th pctile
Total Deposits
Current: $126.2M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $157.0M · Tier avg: $217.5M
44
44th pctile
Total Loans
Current: $104.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.11% · Tier avg: 22.39%
64
64th pctile
Loan-to-Deposit Ratio
Current: 83.01% · Tier avg: 74.53%
96
96th pctile
Net Interest Margin
Current: 5.62% · Tier avg: 3.85%