BlastPoint's Banking Scorecard
Fidelity Bank, National Association
Community
Specialty: Commercial
KS
FDIC cert 30895
Wichita, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Fidelity Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+5.7% YoY
+0.6% QoQ
|
+$2.0B |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Top 6% in tier |
| Total Loans ? |
$2.6B
+6.9% YoY
+1.0% QoQ
|
+$1.6B |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$2.6B
+1.4% YoY
+2.7% QoQ
|
+$1.4B |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
0.99%
+71.3% YoY
+8.2% QoQ
|
-0.18% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.72%
+14.9% YoY
+1.4% QoQ
|
+0.06% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
66.42%
-8.9% YoY
-1.6% QoQ
|
+3.78% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.50%
+17.5% YoY
-5.2% QoQ
|
-0.13% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
99.76%
+5.4% YoY
-1.6% QoQ
|
+16.70% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.54%
+4.2% YoY
-4.4% QoQ
|
-4.51% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
1.17%
+1.1% YoY
-1.6% QoQ
|
+0.67% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
10.78%
-1.7% YoY
+1.2% QoQ
|
+0.54% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.62%
-18.7% YoY
+28.3% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#184 of 642 · Bottom 29% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
47
47th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
36
36th pctile
Efficiency Ratio
Current: 66.42% · Tier avg: 62.63%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.78% · Tier avg: 10.24%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.54% · Tier avg: 21.05%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.50%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.76% · Tier avg: 83.06%
Top Weaknesses
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.76% · Tier avg: 83.06%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.17% · Tier avg: 0.50%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.54% · Tier avg: 21.05%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.78% · Tier avg: 10.24%
36
36th pctile
Efficiency Ratio
Current: 66.42% · Tier avg: 62.63%
38
38th pctile
Return on Assets
Current: 0.99% · Tier avg: 1.16%
47
47th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
92
92th pctile
Total Deposits
Current: $2.6B · Tier avg: $1.2B
94
94th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
95
95th pctile
Total Loans
Current: $2.6B · Tier avg: $975.5M