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Fidelity Bank And Trust

IDRSSD: 939249
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q4QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #939249 2024-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.37% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -1
79
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 77.1%, cash 2.4% of assets.

Cash / Assets
2.37%
Loans / Deposits
77.11%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.37% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.31%
No watch items at this period.

Capitalization

StableQoQ -1
70
Sub-score

Capital position is stable: Tier 1 RBC 11.46%, CET1 11.46%, leverage 9.15%.

Tier 1 RBC
11.46%
CET1
11.46%
Leverage
9.15%
No watch items at this period.

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.76%, Texas Ratio 5.1%, NCO YTD -0.14%.

Adjusted NPL
0.76%
Govt-guarantees stripped
Texas Ratio
5.1%
NCO YTD
-0.14%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
91
Sub-score

Reserves are strong: ALLL 1.36% of loans, coverage 181.1%, true coverage 181.1%.

ALLL / Loans
1.36%
Coverage
181.1%
True Loss Coverage
181.1%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:16:49 UTC