Fidelity Bank

3490 Piedmont Road Ne
Atlanta, GA 30305
888.248.LION (5466)
www.lionbank.com

OverView
Rates
Health
Reviews

Fidelity Bank is headquartered in Atlanta and is the 8^th largest bank in the state of Georgia. It is also the 326^th largest bank in the nation. It was established in 1974 and as of September of 2011, it had grown to 586 employees at 26 locations. Fidelity Bank has a 3-star health rating.

Fidelity Bank Routing Number: 061102400

Competitive Savings Account for Large Balances at Fidelity Bank in GA & FL - Local Only - 4/15/2010

Fidelity Bank is offering a savings account with a competitive rate for large balances. It's a tiered account that pays the top rate of 1.75% APY for a minimum balance of $100K. The rate drops to 1.2 ...

2.00% Money Market Account Through 2009 at Fidelity Bank in Oklahoma - Local Only - 7/5/2009

Fidelity Bank is guaranteeing a 2.00% APY through 12/31/09 for balances of at least $50K on its Money Market XTRA account. An additional 25 basis point bump is added when any checking account is opened with the Money Market XTRA. The rate falls...

4.00% 7-Month CD at Fidelity Bank in OK and KS - 10/6/2008

Fidelity Bank has a CD special with a yield of 4.01% APY for terms of 7, 11 and 21 months. The minimum deposit is $500. These rates are available at their branches in both Oklahoma and Kansas. From a nationwide perspective, the 4.01% yield isn't that...

4.50% 16-Month CD at Fidelity Bank in Michigan - 9/18/2008

Fidelity Bank is offering a special 4.50% APY 16-month CD. The minimum deposit is $1,000, and it requires that you have a Fidelity Bank checking or savings account. The link to the promotion page (pdf) is located on the bank's front page.A branch visit...

2008

6/11 - Easy $50 Checking Account Bonus at Fidelity Bank in KS/OK

2007

Report an Issue

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

Fidelity Bank Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Personal Savings
0.15%	-	-	Business Savings

Fidelity Bank Money Market Rates

Apy	Min	Max	Product
0.35%	$100k	-	Business Money Market
0.35%	$100k	-	LionShare Money Market

Fidelity Bank CD Rates

Apy	Min	Max	Product
1.10%	$500	-	60 - 95 Month CD
1.10%	$500	-	60 - 95 Month Business CD
1.05%	$500	-	48 - 59 Month Business CD
1.05%	$500	-	48 - 59 Month CD
1.00%	$500	-	36 - 47 Month CD
1.00%	$500	-	36 - 47 Month Business CD
0.70%	$500	-	24 - 35 Month CD
0.70%	$500	-	24 - 35 Month Business CD
0.30%	$500	-	18 - 23 Month CD
0.30%	$500	-	18 - 23 Month Business CD
0.25%	$500	-	12 - 17 Month CD
0.25%	$500	-	12 - 17 Month Business CD
0.20%	$500	-	181 - 364 Day CD
0.20%	$500	-	181 - 364 Day Business CD
0.15%	$500	-	32 - 60 Day CD
0.15%	$500	-	61 - 90 Day CD
0.15%	$500	-	91 - 180 Day CD
0.15%	$500	-	32 - 60 Day Business CD
0.15%	$500	-	61 - 90 Day Business CD
0.15%	$500	-	91 - 180 Day Business CD
0.05%	$500	-	7 - 31 Day CD
0.05%	$500	-	7 - 31 Day Business CD

Fidelity Bank IRA Rates

Apy	Min	Max	Product
1.10%	$500	-	60 - 95 Month IRA
1.10%	$500	-	60 - 95 Month Roth IRA
1.05%	$500	-	48 - 59 Month IRA
1.05%	$500	-	48 - 59 Month Roth IRA
1.00%	$500	-	36 - 47 Month IRA
1.00%	$500	-	36 - 47 Month Roth IRA
0.70%	$500	-	24 - 35 Month IRA
0.70%	$500	-	24 - 35 Month Roth IRA
0.30%	$500	-	18 - 23 Month IRA
0.30%	$500	-	18 - 23 Month Roth IRA
0.25%	$500	-	12 - 17 Month IRA
0.25%	$500	-	12 - 17 Month Roth IRA
0.20%	$500	-	181 - 364 Day IRA
0.20%	$500	-	181 - 364 Day Roth IRA
0.15%	$500	-	32 - 60 Day IRA
0.15%	$500	-	61 - 90 Day IRA
0.15%	$500	-	91 - 180 Day IRA
0.15%	$500	-	32 - 60 Day Roth IRA
0.15%	$500	-	61 - 90 Day Roth IRA
0.15%	$500	-	91 - 180 Day Roth IRA
0.05%	$500	-	7 - 31 Day IRA
0.05%	$500	-	7 - 31 Day Roth IRA

Rates updated: 2/10/2012

Data for Q3 2011

Institution Statistics

Fidelity Bank
FDIC Certificate #	21440
BankRate Report	View
Year Established	1974
Employees	586
Primary Regulator	FDIC
Assets and Liabilities
Assets	$2.11 billion
Loans	$1.60 billion
Deposits	$1.78 billion
Equity Capital	$199.93 million
Loan Loss Allowance	$29.38 million
Unbacked Noncurrent Loans	$54.44 million
Real Estate Owned	$24.49 million
Historic Data - September 2010
Assets	$1.87 billion
Equity Capital	$185.47 million
Loan Loss Allowance	$28.29 million
Unbacked Noncurrent Loans	$54.93 million
Real Estate Owned	$21.25 million
Profit Margin - Quarterly
Net Interest Margin	3.88%
Return on Assets	0.61%
Return on Equity	6.42%
Interest Income	$68.86 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 had $78.93 million in non-current loans and owned real-estate with $229.31 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Bank a Texas Ratio of 34.42% 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 Bank held steady from 35.08% as of September 30, 2010 to 34.42% as of September 30, 2011, resulting in a positive change of 1.86%.This indicates that the balance sheet and financial strength for Fidelity Bank has held steady in recent periods.
Deposit Growth
In the past year, Fidelity Bank has increased its total deposits by $221.93 million, resulting in 14.21% 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 excellent.
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 has $2.11 billion in assets with $229.31 million in equity, resulting in a capitalization level of 10.89%, which is above average.