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177 South Jordan Creek Parkway
West Des Moines, IA 50266

FIDELITY BANK is headquartered in West Des Moines and is the 253rd largest bank in the state of Iowa. It is also the 5,557th largest bank in the nation. It was established in 1927 and as of March of 2014, it had grown to 32 employees at 3 locations. FIDELITY BANK has a B health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. FIDELITY BANK has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 FIDELITY BANK had $1.53 million in non-current loans and owned real-estate with $8.23 million in equity and loan loss allowances on hand to cover it. This gives FIDELITY BANK a Texas Ratio of 18.57% 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 experienced no significant changes from 13.99% as of March 31, 2013 to 18.57% as of March 31, 2014, resulting in a negative change of 32.75%. This indicates that the balance sheet and financial strength for FIDELITY BANK has had no significant changes in recent periods.

Deposit Growth


In the past year, FIDELITY BANK has increased its total deposits by $112,000, resulting in 0.23% 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 has shown is above average.



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 has $65.99 million in assets with $8.23 million in equity, resulting in a capitalization level of 12.47%, which is excellent.

Institution Statistics

FDIC Certificate #14251
Year Established1927
Primary RegulatorFDIC
Assets and Liabilities
Assets$65.99 million
Loans$49.90 million
Deposits$48.18 million
Equity Capital$7.75 million
Loan Loss Allowance$481,000
Unbacked Noncurrent Loans$68,000
Real Estate Owned$1.46 million
Historic Data - March 2013
Assets$59.39 million
Equity Capital$7.59 million
Loan Loss Allowance$393,000
Unbacked Noncurrent Loans$68,000
Real Estate Owned$1.09 million
Profit Margin - Quarterly
Net Interest Margin4.65%
Return on Assets0.64%
Return on Equity5.29%
Interest Income$734,000

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