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Overview / Commentary
60 North Sandusky St
Delaware, OH 43015

Fidelity Federal Savings and Loan Association is headquartered in Delaware and is the 143rd largest bank in the state of Ohio. It is also the 4,590th largest bank in the nation. It was established in 1887 and as of March of 2014, it had grown to 19 employees at 2 locations. Fidelity Federal Savings and Loan Association has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A

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 Federal Savings and Loan Association had $2.07 million in non-current loans and owned real-estate with $21.32 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Federal Savings and Loan Association a Texas Ratio of 9.70% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Fidelity Federal Savings and Loan Association decreased slightly from 12.46% as of March 31, 2013 to 9.70% as of March 31, 2014, resulting in a positive change of 22.13%.This indicates that the balance sheet and financial strength for Fidelity Federal Savings and Loan Association has improved slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Fidelity Federal Savings and Loan Association has decreased its total deposits by -$9.26 million, resulting in -9.94% 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 Federal Savings and Loan Association has shown is below average.

Capitalization

GRADE:
A+

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 Federal Savings and Loan Association has $105.63 million in assets with $21.32 million in equity, resulting in a capitalization level of 20.19%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #29521
Year Established1887
Employees19
Primary RegulatorOCC
Assets and Liabilities
Assets$105.63 million
Loans$48.95 million
Deposits$83.91 million
Equity Capital$21.01 million
Loan Loss Allowance$313,000
Unbacked Noncurrent Loans$671,000
Real Estate Owned$1.40 million
Historic Data - March 2013
Assets$107.62 million
Equity Capital$13.61 million
Loan Loss Allowance$439,000
Unbacked Noncurrent Loans$671,000
Real Estate Owned$1.57 million
Profit Margin - Quarterly
Net Interest Margin3.29%
Return on Assets0.62%
Return on Equity3.87%
Interest Income$889,000
Rates

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Fidelity Federal Savings and Loan Association Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$25-Passbook Savings Account
0.20%$25-Minor Account
0.20%--Christmas Club Account
0.20%$25-IRA Statement Savings Account
0.20%$25-Roth IRA Statement Savings Account

Fidelity Federal Savings and Loan Association Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$25k-Money Maker Account

Fidelity Federal Savings and Loan Association Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$250-NOW Checking Account

Fidelity Federal Savings and Loan Association CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$500-48 Month Fixed CD
0.85%$500-36 Month Fixed CD
0.70%$500-30 Month Fixed CD
0.65%$500-24 Month Fixed CD
0.45%$500-18 Month Fixed CD
0.35%$500-12 Month Fixed CD
0.25%$2,500-182 Day Fixed CD
0.10%$2,500-91 Day Fixed CD

Fidelity Federal Savings and Loan Association IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%$250-48 Month Fixed IRA
0.85%$250-36 Month Fixed IRA
0.70%$250-30 Month Fixed IRA
0.65%$250-24 Month Fixed IRA
0.45%$250-18 Month Fixed IRA
0.35%$250-12 Month Fixed IRA
0.25%$250-182 Day Fixed IRA
Locations


Fidelity Federal Savings and Loan Association Locations
Route 37 West Branch1940 State Route 37 WestDelaware, OH 43015
Fidelity Federal Savings and Loan Association Of D60 North Sandusky StDelaware, OH 43015