Fidelity National Bank (WI)

Fidelity National Bank (WI) is headquartered in Medford and is the 196^th largest bank in the state of Wisconsin. It is also the 5,243^rd largest bank in the nation. It was established in 1975 and as of March of 2012, it had grown to 35 employees at 2 locations. Fidelity National Bank (WI) has a 3-star health rating.

Data for Q1 2012

Institution Statistics Fidelity National Bank FDIC Certificate # 22153 BankRate Report View Year Established 1975 Employees 35 Primary Regulator OCC Assets and Liabilities Assets $89.08 million Loans $64.75 million Deposits $78.05 million Equity Capital $9.81 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $4.14 million Real Estate Owned $2.71 million Historic Data - March 2011 Assets $91.28 million Equity Capital $9.34 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $2.37 million Real Estate Owned $1.95 million Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 0.22% Return on Equity 2% Interest Income $959,000

Institution Health Overall Score: 3 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 National Bank (WI) had $6.84 million in non-current loans and owned real-estate with $10.97 million in equity and loan loss allowances on hand to cover it. This gives Fidelity National Bank (WI) a Texas Ratio of 62.40% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fidelity National Bank (WI) increased slightly from 44.05% as of March 31, 2011 to 62.40% as of March 31, 2012, resulting in a negative change of 41.67%. This indicates that the balance sheet and financial strength for Fidelity National Bank (WI) has declined slightly in recent periods. Deposit Growth In the past year, Fidelity National Bank (WI) has decreased its total deposits by -$1.48 million, resulting in -1.87% 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 National Bank (WI) 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 National Bank (WI) has $89.08 million in assets with $10.97 million in equity, resulting in a capitalization level of 12.31%, which is excellent.

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