Fidelity Bank (KS)

100 E. English
Wichita, KS 67202
(800) 658-1637
www.fidelitybank.com

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Fidelity Bank (KS) is headquartered in Wichita and is the 5^th largest bank in the state of Kansas. It is also the 422^nd largest bank in the nation. It was established in 1956 and as of September of 2011, it had grown to 390 employees at 25 locations. Fidelity Bank (KS) has a 3-star health rating.

Up To 1.50% On A Money Market Account In KS & OK (Forum) - 10/3/2010

Fidelity Bank has been advertising this money market special. It's also listed on the website for both its OK and KS branches. The 1.50% APY does require a $50K balance along with a checking account. Full details from the website: Earn 1.25% APY on bala

Money Market and CD Deals at Fidelity Bank in OK & KS - Local Only - 8/9/2010

Fidelity Bank has some competitive money market and CD rates. In Oklahoma, it was adverting 1.50% APY on its Money Market XTRA account. This requires a $50K deposit and a checking account. Without the ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Fidelity Bank (KS) Checking Account Rates

Apy	Min	Max	Product
0.75%^†	$500	-	Health Savings Account
0.40%^†	$100	-	E-Checking Account
0.05%^†	$100	-	Checking Account
0.05%^†	$100	-	Right Now Account

Fidelity Bank (KS) Savings Account Rates

Apy	Min	Max	Product
0.40%^†	$10k	-	High Interest Statement Savings
0.40%^†	$10k	-	Premier Savings
0.40%^†	$10k	-	Business High Interest Statement Savings
0.15%^†	$25	-	Looney Toons Savings
0.15%^†	$100	-	Statement Savings

Fidelity Bank (KS) Money Market Rates

Apy	Min	Max	Product
0.40%^†	$2,500	-	Money Market Banner
0.40%^†	$10k	-	Corporate Money Market
0.40%^†	$50k	-	Personal Superior Money Market

Fidelity Bank (KS) CD Rates

Apy	Min	Max	Product
2.01%^†	$500	-	58 Month CD Special
1.60%^†	$1k	-	5 Year CD
1.46%^†	$500	-	37 Month CD Special
1.10%^†	$500	-	21 Month CD Special
1.00%^†	$1k	-	3 Year CD
0.80%^†	$1k	-	2 Year CD
0.71%^†	$500	-	11 Month CD Special
0.51%^†	$500	-	7 Month CD Special
0.50%^†	$1k	-	18 Month CD
0.40%^†	$1k	-	1 Year CD
0.30%^†	$2,500	-	182 Day CD
0.15%^†	$2,500	-	91 Day CD

Fidelity Bank (KS) IRA Rates

Apy	Min	Max	Product
1.60%^†	$1k	-	5 Year IRA
1.60%^†	$1k	-	5 Year Roth IRA
1.10%^†	$500	-	21 Month IRA Special
1.10%^†	$500	-	21 Month Roth IRA Special
1.00%^†	$1k	-	3 Year IRA
1.00%^†	$1k	-	3 Year Roth IRA
0.80%^†	$1k	-	2 Year IRA
0.80%^†	$1k	-	2 Year Roth IRA
0.71%^†	$500	-	11 Month IRA Special
0.71%^†	$500	-	11 Month Roth IRA Special
0.51%^†	$500	-	7 Month IRA Special
0.51%^†	$500	-	7 Month Roth IRA Special
0.50%^†	$1k	-	18 Month IRA
0.50%^†	$1k	-	18 Month Roth IRA
0.40%^†	$1k	-	1 Year IRA
0.40%^†	$1k	-	1 Year Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Fidelity Bank
OTS #	06081
FDIC Certificate #	30895
BankRate Report	View
Year Established	1956
Employees	390
Primary Regulator	OCC
Assets and Liabilities
Assets	$1.57 billion
Loans	$939.40 million
Deposits	$1.29 billion
Equity Capital	$183.91 million
Loan Loss Allowance	$11.84 million
Unbacked Noncurrent Loans	$18.71 million
Real Estate Owned	$14.75 million
Historic Data - September 2010
Assets	$1.64 billion
Equity Capital	$180.50 million
Loan Loss Allowance	$13.12 million
Unbacked Noncurrent Loans	$17.93 million
Real Estate Owned	$18.91 million
Profit Margin - Quarterly
Net Interest Margin	3.36%
Return on Assets	0.66%
Return on Equity	5.75%
Interest Income	$47.38 million

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 September 30, 2011 Fidelity Bank (KS) had $33.46 million in non-current loans and owned real-estate with $195.75 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Bank (KS) a Texas Ratio of 17.09% which is 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 (KS) held steady from 15.67% as of September 30, 2010 to 17.09% as of September 30, 2011, resulting in a negative change of 9.07%. This indicates that the balance sheet and financial strength for Fidelity Bank (KS) has held steady in recent periods.
Deposit Growth
In the past year, Fidelity Bank (KS) has decreased its total deposits by -$20.87 million, resulting in -1.59% 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 (KS) 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 (KS) has $1.57 billion in assets with $195.75 million in equity, resulting in a capitalization level of 12.48%, which is excellent.