Fidelity Bank of Texas

Fidelity Bank of Texas is headquartered in Waco and is the 430^th largest bank in the state of Texas. It is also the 5,325^th largest bank in the nation. It was established in 1974 and as of March of 2012, it had grown to 29 employees at 2 locations. Fidelity Bank of Texas has a 4-star health rating.

Fidelity Bank of Texas Routing Number: 111905340

Data for Q1 2012

Institution Statistics Fidelity Bank of Texas FDIC Certificate # 21455 BankRate Report View Year Established 1974 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $85.81 million Loans $61.52 million Deposits $76.39 million Equity Capital $9.22 million Loan Loss Allowance $860,000 Unbacked Noncurrent Loans $930,000 Real Estate Owned $41,000 Historic Data - March 2011 Assets $87.99 million Equity Capital $8.27 million Loan Loss Allowance $901,000 Unbacked Noncurrent Loans $420,000 Real Estate Owned $39,000 Profit Margin - Quarterly Net Interest Margin 4.6% Return on Assets 1.12% Return on Equity 10.2% Interest Income $1.02 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 of Texas had $971,000 in non-current loans and owned real-estate with $10.08 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Bank of Texas a Texas Ratio of 9.64% which is above 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 of Texas held steady from 5.00% as of March 31, 2011 to 9.64% as of March 31, 2012, resulting in a negative change of 92.55%. This indicates that the balance sheet and financial strength for Fidelity Bank of Texas has held steady in recent periods. Deposit Growth In the past year, Fidelity Bank of Texas has decreased its total deposits by -$3.14 million, resulting in -3.95% 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 of Texas has shown is below average. 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 of Texas has $85.81 million in assets with $10.08 million in equity, resulting in a capitalization level of 11.74%, which is above average.

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