BlastPoint's Banking Scorecard
FIDELITY BANK
Community
Specialty: Commercial
LA
FDIC cert 28316
New Orleans, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
FIDELITY BANK has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 19.13% above tier
- + Non-Interest Income / Assets 0.85% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10% in Community
- - Return on Assets 1.07% below tier
- - Efficiency Ratio 29.50% above tier
- - Delinquency Rate 1.57% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+2.4% YoY
-0.6% QoQ
|
-$134.0M |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$766.8M
-1.4% YoY
-3.6% QoQ
|
-$208.7M |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$915.5M
+1.6% YoY
-2.2% QoQ
|
-$249.1M |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.09%
+117.2% YoY
-66.1% QoQ
|
-1.07% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
4.62%
+8.0% YoY
-1.7% QoQ
|
+0.96% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
92.13%
-7.2% YoY
-0.0% QoQ
|
+29.50% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
2.20%
+31.8% YoY
+20.0% QoQ
|
+1.57% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
83.76%
-2.9% YoY
-1.4% QoQ
|
+0.70% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
22.61%
-12.2% YoY
-7.0% QoQ
|
+1.56% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
1.45%
+30.9% YoY
+9.1% QoQ
|
+0.95% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
29.38%
-0.8% YoY
+3.0% QoQ
|
+19.13% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
1.59%
+3.3% YoY
+57.5% QoQ
|
+0.85% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
29.38%
(Tier avg: 10.24%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 6%
in Community
Why this stands out
Current:
1.59%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (4)
Liquidity Overhang
risk
#28 of 268 · Bottom 10% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
29.38%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
83.76%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.09%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Community
Why this stands out
Current:
92.13%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.20%
(Tier avg: 0.63%, National avg: 0.66%)
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
Tier 1 Capital Ratio
Current: 29.38% · Tier avg: 10.24%
94
94th pctile
Non-Interest Income / Assets
Current: 1.59% · Tier avg: 0.74%
90
90th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.66%
61
61th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.61% · Tier avg: 21.05%
55
55th pctile
Total Loans
Current: $766.8M · Tier avg: $975.5M
55
55th pctile
Total Deposits
Current: $915.5M · Tier avg: $1.2B
47
47th pctile
Loan-to-Deposit Ratio
Current: 83.76% · Tier avg: 83.06%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.20% · Tier avg: 0.63%
4
4th pctile
Return on Assets
Current: 0.09% · Tier avg: 1.16%
3
3th pctile
Efficiency Ratio
Current: 92.13% · Tier avg: 62.63%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 92.13% · Tier avg: 62.63%
4
4th pctile
Return on Assets
Current: 0.09% · Tier avg: 1.16%
8
8th pctile
Delinquency Rate
Current: 2.20% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.50%
47
47th pctile
Loan-to-Deposit Ratio
Current: 83.76% · Tier avg: 83.06%
55
55th pctile
Total Deposits
Current: $915.5M · Tier avg: $1.2B
55
55th pctile
Total Loans
Current: $766.8M · Tier avg: $975.5M
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.61% · Tier avg: 21.05%
61
61th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
90
90th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.66%
94
94th pctile
Non-Interest Income / Assets
Current: 1.59% · Tier avg: 0.74%
99
99th pctile
Tier 1 Capital Ratio
Current: 29.38% · Tier avg: 10.24%