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Fidelity Bank National Association

IDRSSD: 762474
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 762474 held $3.3B in total assets as of 2026-03-31 (-0.1% quarter-over-quarter). Total loans stood at $2.6B (+0.3% QoQ) and total deposits at $2.7B (+2.1% QoQ).

Overall position is weak — the composite Health Score is 34/100 (Weak). Tier 1 / RWA stands at 10.91%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
34/100
Weak
Active Alerts
1
0 critical, 0 warning
Total Assets
$3.3B
-0.1% QoQ
Total Loans
$2.6B
+0.3% QoQ
Total Deposits
$2.7B
+2.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
10.91%
11th pctile · n=298↑ better
+13 bp QoQ
CET1 / RWA
10.91%
29th pctile · n=364↑ better
+13 bp QoQ
Total RBC / RWA
12.09%
13th pctile · n=298↑ better
+14 bp QoQ
Tier 1 Leverage Ratio
10.91%
27th pctile · n=364↑ better
+13 bp QoQ

Liquidity

Cash / Assets
4.02%
36th pctile · n=364↑ better
+13 bp QoQ
Loans / Deposits
97.97%
80th pctile · n=362↓ better
-180 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.82%
65th pctile · n=364↓ better
+33 bp QoQ
NPA / Assets
1.22%
86th pctile · n=364↓ better
+18 bp QoQ
Texas Ratio (regulatory)
11.41%
87th pctile · n=364↓ better
+164 bp QoQ
Net Charge-Offs / Avg Loans
-0.16%
1th pctile · n=364↓ better
-1 bp QoQ
ALLL Coverage of NPL
158.55%
45th pctile · n=364↑ better
-10421 bp QoQ

Earnings

Net Interest Margin
3.88%
63th pctile · n=364↑ better
+2 bp QoQ
Return on Assets
1.05%
35th pctile · n=364↑ better
-15 bp QoQ
Return on Equity
10.89%
42th pctile · n=364↑ better
-164 bp QoQ
Efficiency Ratio
67.29%
74th pctile · n=364↓ better
+398 bp QoQ
Pre-tax NOI / Avg Assets
1.37%
40th pctile · n=364↑ better
-20 bp QoQ

Funding

Brokered / Deposits
4.41%
61th pctile · n=362↓ better
-570 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
11.42%
94th pctile · n=364↓ better
-192 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
9.43%
29th pctile · n=364↑ better
-17 bp QoQ
AFS Securities / Assets
9.03%
37th pctile · n=364↑ better
-16 bp QoQ
HTM Securities / Assets
0.39%
61th pctile · n=364↑ better
-0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 09:40:16 UTC