Visbanking Logo
Skip to main content

Fidelity Bank And Trust

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q4QoQ -6

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

Quarterly Headline

2025-Q4

Bank #939249 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.30% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -12
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ -2
75
Sub-score

Liquidity is stable: brokered 0.5%, loans/deposits 84.1%, cash 2.3% of assets.

Cash / Assets
2.30%
Loans / Deposits
84.12%
Brokered %
0.50%

Watch Items

  • infoCash / Assets below 3% — Cash 2.30% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.51%
No watch items at this period.

Capitalization

WatchQoQ -12
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.56%, CET1 10.56%, leverage 9.19%.

Tier 1 RBC
10.56%
CET1
10.56%
Leverage
9.19%
No watch items at this period.

Asset Quality

StrongQoQ -3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 2.9%, NCO YTD 0.03%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.03%
30-89 PD
0.57%
Band 0.3% / 3.0%
90+ PD
0.27%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -10
84
Sub-score

Reserves are strong: ALLL 1.03% of loans, coverage 277.8%, true coverage 277.8%.

ALLL / Loans
1.03%
Coverage
277.8%
True Loss Coverage
277.8%
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