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Fidelity Bank

IDRSSD: 255574
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
77
/ 100
StableAs of 2025-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

2025-Q4

Bank #255574 2025-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.5% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.2% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.20% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +1
75
Sub-score

Liquidity is stable: brokered 9.8%, loans/deposits 83.8%, cash 4.8% of assets.

Cash / Assets
4.79%
Loans / Deposits
83.76%
Brokered %
9.79%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.38%, CET1 29.38%, leverage 20.02%.

Tier 1 RBC
29.38%
CET1
29.38%
Leverage
20.02%
No watch items at this period.

Asset Quality

StrongQoQ -4
82
Sub-score

Asset quality is strong: Adjusted NPL 2.20%, Texas Ratio 6.5%, NCO YTD 0.20%.

Adjusted NPL
2.20%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
0.20%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.20% (govt-guarantees stripped).

Reserves

RiskQoQ -1
13
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 37.2%, true coverage 35.5%.

ALLL / Loans
0.81%
Coverage
37.2%
True Loss Coverage
35.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.5% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-15 02:27:07 UTC