Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
177 South Jordan Creek Parkway
West Des Moines, IA 50266

FIDELITY BANK is headquartered in West Des Moines and is the 258th largest bank in the state of Iowa. It is also the 5,669th largest bank in the nation. It was established in 1927 and as of December of 2013, it had grown to 33 employees at 3 locations. FIDELITY BANK has a B health rating.

Related Posts

No reviews have been left for this bank yet. Be the first to review.


Data for Q4 2013

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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 FIDELITY BANK had $1.47 million in non-current loans and owned real-estate with $8.3 million in equity and loan loss allowances on hand to cover it. This gives FIDELITY BANK a Texas Ratio of 17.76% 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 decreased slightly from 25.20% as of December 31, 2012 to 17.76% as of December 31, 2013, resulting in a positive change of 29.52%.This indicates that the balance sheet and financial strength for FIDELITY BANK has improved slightly in recent periods.

Deposit Growth


In the past year, FIDELITY BANK has increased its total deposits by $784,000, resulting in 1.68% 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 $63.18 million in assets with $8.3 million in equity, resulting in a capitalization level of 13.14%, which is excellent.

Institution Statistics

FDIC Certificate #14251
Year Established1927
Primary RegulatorFDIC
Assets and Liabilities
Assets$63.19 million
Loans$46.83 million
Deposits$47.47 million
Equity Capital$7.82 million
Loan Loss Allowance$481,000
Unbacked Noncurrent Loans$67,000
Real Estate Owned$1.41 million
Historic Data - December 2012
Assets$58.23 million
Equity Capital$7.62 million
Loan Loss Allowance$388,000
Real Estate Owned$2.02 million
Profit Margin - Quarterly
Net Interest Margin4.41%
Return on Assets0.85%
Return on Equity6.58%
Interest Income$2.69 million

Sorry, we do not have rate data for FIDELITY BANK


Huxley Branch102 National DriveHuxley, IA 50124
Fidelity Bank177 South Jordan Creek ParkwayWest Des Moines, IA 50266
Water Street Branch205 Water StreetCambridge, IA 50046