BlastPoint's Banking Scorecard
Fidelity Federal Savings and Loan Association of Delaware
Micro
Specialty: Mortgage
OH
FDIC cert 29521
Designations: ✓ Community bank
Delaware, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Fidelity Federal Savings and Loan Association of Delaware has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 23.81% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.12% below tier
- - Net Interest Margin 1.35% below tier
- - Efficiency Ratio 33.97% above tier
- - Non-Interest-Bearing Deposit Share 18.85% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$131.0M
+1.8% YoY
-1.1% QoQ
|
-$86.5M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$77.8M
+6.5% YoY
-0.0% QoQ
|
-$61.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$97.5M
+3.0% YoY
-1.5% QoQ
|
-$86.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
-0.03%
+70.0% YoY
+57.5% QoQ
|
-1.12% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.50%
+1.0% YoY
+1.2% QoQ
|
-1.35% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
101.70%
-2.7% YoY
-2.8% QoQ
|
+33.97% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.37%
+620.4% YoY
+760.7% QoQ
|
-0.27% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
79.81%
+3.4% YoY
+1.5% QoQ
|
+5.28% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
3.54%
-37.5% YoY
+6.7% QoQ
|
-18.85% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.22%
+654.0% YoY
+770.2% QoQ
|
-0.24% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
32.66%
-3.3% YoY
|
+23.81% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.14%
+0.5% YoY
+34.6% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.66%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (4)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.03%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.50%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
101.70%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.54%
(Tier avg: 22.39%, National avg: 21.79%)
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
97
97th pctile
Tier 1 Capital Ratio
Current: 32.66% · Tier avg: 8.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.81% · Tier avg: 74.53%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
33
33th pctile
Total Loans
Current: $77.8M · Tier avg: $139.2M
32
32th pctile
Total Assets
Current: $131.0M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $97.5M · Tier avg: $183.7M
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
6
6th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.08%
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.85%
5
5th pctile
Efficiency Ratio
Current: 101.70% · Tier avg: 67.73%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.54% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.54% · Tier avg: 22.39%
5
5th pctile
Efficiency Ratio
Current: 101.70% · Tier avg: 67.73%
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.85%
6
6th pctile
Return on Assets
Current: -0.03% · Tier avg: 1.08%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
28
28th pctile
Total Deposits
Current: $97.5M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $131.0M · Tier avg: $217.5M
33
33th pctile
Total Loans
Current: $77.8M · Tier avg: $139.2M
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.81% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.66% · Tier avg: 8.85%