Fidelity Bank of Texas
Waco, TX
IDRSSD: 741068
Total Assets
$147.81M
Latest filing
Total Deposits
$117.44M
Latest filing
Net Interest Margin
5.24%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Fidelity Bank of Texas
1901 Lake Shore Dr
Waco, TX 76708
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/01/1974FDIC Certificate 14840
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Fidelity Bank of Texas (Main) | 1901 Lake Shore Dr | Waco, TX |
| ROBINSON BRANCH | 410 S Robinson Dr | Robinson, TX |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/01/1974 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76708 |
| State and County Number | 48309 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Waco, TX |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/01/1974 |
| Primary Insurance Agency | DIF |
| Website | www.fbot.com |
| Data Updated | 11/14/2025 |
| CERT | 21455 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $147.81M |
| Total Deposits | $117.44M |
| Total Liabilities | $123.84M |
| Total Equity Capital | $23.97M |
| Net Income | $-68,000 |
| Net Loans and Leases | $101.99M |
| Assets Per Employee ($Millions) | $4.48M |
| Bank Premises and Fixed Assets | $6.88M |
| Cash and Balances due from Depository Institutions | $13.97M |
| Deposits Held in Domestic Offices | $117.44M |
Key Performance Ratios
| Return on Assets (ROA) | -0.19% |
| Return on Equity (ROE) | -1.13% |
| Net Interest Margin | 5.24% |
| Efficiency Ratio | 92.73% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.29% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.214% |
| Earning Assets to total Assets | 87.51% |
Income and Expense
| Total Interest Income | $2.17M |
| Total Noninterest Income | $106.00k |
| Total Interest Expense | $541.00k |
| Total Noninterest Expense | $1.70M |
| Net Interest Income | $1.63M |
| Pre-tax Net Operating Income | $-68,000 |
| Provision for Credit Losses | $104.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.47M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $932.00k |
| Total Liabilities and Capital | $147.81M |
Securities
| Securities | $14.99M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $14.99M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Fidelity Bank of Texas?
$147.81M as of the latest filing.
How much are Fidelity Bank of Texas's total deposits?
$117.44M in total deposits.
Where is Fidelity Bank of Texas located?
Waco, TX.
What is the Net Interest Margin?
5.24%.
How many domestic offices does it operate?
2.
When was it established?
03/01/1974.
What is the Return on Assets (ROA)?
-0.19%.
How much are total loans and leases?
$101.99M (latest filing).
What is the total interest income (latest filing)?
$2.17M.