BlastPoint's Banking Scorecard
Fidelity Bank
Micro
Specialty: Commercial
IL
FDIC cert 5753
Designations: ✓ Community bank
Savanna, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Fidelity Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.67% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.96% below tier
- - Efficiency Ratio 27.82% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$198.6M
+14.2% YoY
+1.2% QoQ
|
-$18.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$143.1M
+30.3% YoY
+7.3% QoQ
|
+$3.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$165.1M
+10.6% YoY
-2.9% QoQ
|
-$18.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.12%
+327.9% YoY
+506.9% QoQ
|
-0.96% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.85%
+10.4% YoY
+2.1% QoQ
|
0 |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
95.54%
-4.5% YoY
-2.9% QoQ
|
+27.82% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.79%
-12.3% YoY
-6.1% QoQ
|
+0.15% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
86.69%
+17.8% YoY
+10.5% QoQ
|
+12.16% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
15.08%
-34.7% YoY
-10.6% QoQ
|
-7.31% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.57%
+0.1% YoY
-8.5% QoQ
|
+0.12% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
11.06%
-17.2% YoY
-3.6% QoQ
|
+2.21% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
1.23%
-13.2% YoY
+44.8% QoQ
|
+0.67% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.23%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.12%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
95.54%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.23% · Tier avg: 0.56%
58
58th pctile
Total Loans
Current: $143.1M · Tier avg: $139.2M
55
55th pctile
Tier 1 Capital Ratio
Current: 11.06% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
51
51th pctile
Total Assets
Current: $198.6M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $165.1M · Tier avg: $183.7M
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.69% · Tier avg: 74.53%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.08% · Tier avg: 22.39%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 95.54% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 95.54% · Tier avg: 67.73%
8
8th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.08%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.08% · Tier avg: 22.39%
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.69% · Tier avg: 74.53%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
49
49th pctile
Total Deposits
Current: $165.1M · Tier avg: $183.7M
51
51th pctile
Total Assets
Current: $198.6M · Tier avg: $217.5M
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
55
55th pctile
Tier 1 Capital Ratio
Current: 11.06% · Tier avg: 8.85%
58
58th pctile
Total Loans
Current: $143.1M · Tier avg: $139.2M
94
94th pctile
Non-Interest Income / Assets
Current: 1.23% · Tier avg: 0.56%