Fidelity Bank (57621)

Fidelity Bank (57621) is headquartered in Wichita Falls and is the 211^st largest bank in the state of Texas. It is also the 2,632^nd largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 41 employees at 3 locations. Fidelity Bank (57621) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Fidelity Bank FDIC Certificate # 57621 BankRate Report View Year Established 2003 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $244.64 million Loans $173.65 million Deposits $221.16 million Equity Capital $22.87 million Loan Loss Allowance $2.96 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $2.28 million Historic Data - March 2011 Assets $206.59 million Equity Capital $20.44 million Loan Loss Allowance $2.44 million Unbacked Noncurrent Loans $2.38 million Real Estate Owned $1.89 million Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1.11% Return on Equity 12.14% Interest Income $2.57 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Fidelity Bank (57621) had $4.04 million in non-current loans and owned real-estate with $25.83 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Bank (57621) a Texas Ratio of 15.65% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fidelity Bank (57621) decreased slightly from 18.43% as of March 31, 2011 to 15.65% as of March 31, 2012, resulting in a positive change of 15.05%.This indicates that the balance sheet and financial strength for Fidelity Bank (57621) has improved slightly in recent periods. Deposit Growth In the past year, Fidelity Bank (57621) has increased its total deposits by $35.67 million, resulting in 19.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fidelity Bank (57621) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fidelity Bank (57621) has $244.64 million in assets with $25.83 million in equity, resulting in a capitalization level of 10.56%, which is above average.

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