Average User Rating:
2 star rating based on 4 reviews.

Fidelity Bank

3490 Piedmont Road Ne
Atlanta, GA 30305
(404) 814 -8114
www.lionbank.com

FDIC

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Fidelity Bank is headquartered in Atlanta and is the 9^th largest bank in the state of Georgia. It is also the 300^th largest bank in the nation. It was established in 1974 and as of December of 2012, it had grown to 774 employees at 32 locations. Fidelity Bank has a 4-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

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

Fidelity Bank Savings Account Rates

Apy	Min	Max	Product
0.40%	$250k	-	Personal Savings
0.40%	$250k	-	Business Savings

Fidelity Bank Money Market Rates

Apy	Min	Max	Product
0.40%	$250k	-	Business Money Market
0.40%	$250k	-	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
0.55%	$500	-	18 - 23 Month CD
0.55%	$500	-	18 - 23 Month Business CD
0.50%	$500	-	12 - 17 Month CD
0.50%	$500	-	12 - 17 Month Business CD
0.40%	$500	-	181 - 364 Day CD
0.40%	$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
0.55%	$500	-	18 - 23 Month IRA
0.55%	$500	-	18 - 23 Month Roth IRA
0.50%	$500	-	12 - 17 Month IRA
0.50%	$500	-	12 - 17 Month Roth IRA
0.40%	$500	-	181 - 364 Day IRA
0.40%	$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: 5/19/2013

Data for Q4 2012

Institution Statistics

Fidelity Bank
FDIC Certificate #	21440
BankRate Report	View
Year Established	1974
Employees	774
Primary Regulator	FDIC
Assets and Liabilities
Assets	$2.47 billion
Loans	$2.05 billion
Deposits	$2.08 billion
Equity Capital	$232.12 million
Loan Loss Allowance	$33.98 million
Unbacked Noncurrent Loans	$45.95 million
Real Estate Owned	$22.16 million
Historic Data - December 2011
Assets	$2.23 billion
Equity Capital	$205.03 million
Loan Loss Allowance	$27.96 million
Unbacked Noncurrent Loans	$54.60 million
Real Estate Owned	$21.06 million
Profit Margin - Quarterly
Net Interest Margin	3.95%
Return on Assets	1.15%
Return on Equity	12.43%
Interest Income	$96.67 million

Institution Health

Overall Score:

4 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 December 31, 2012 Fidelity Bank had $68.1 million in non-current loans and owned real-estate with $266.1 million in equity and loan loss allowances on hand to cover it. This gives Fidelity Bank a Texas Ratio of 25.59% 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 decreased slightly from 30.16% as of December 31, 2011 to 25.59% as of December 31, 2012, resulting in a positive change of 15.14%.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 $194.51 million, resulting in 10.29% 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 $2.47 billion in assets with $266.1 million in equity, resulting in a capitalization level of 10.75%, which is above average.

NO 24 HOUR SUPPORT
2 stars

- complianceguy - Saturday, February 23, 2013 - 2:32 PM

Simply put... If you are trying to use your card from outside of the state, it may be declined. When you call to discuss the issue you get a message that is useless. Don't open an account with this bank if you plan on using the card out of Georgia, on weekends and before and after bank hours. They DO NOT HAVE 24hrs HOUR SUPPORT with a manner that you can speak to somebody. Luckiily I use more than one bank... and no longer will do business with such a meager institution.

Just my 2 cents

compliance guy

Poor Customer Service
1 stars

- Kellie - Saturday, May 4, 2013 - 2:45 PM

I have been with this bank since the 1990s and have been a great customer. With this history, they still provided me very poor customer service during some recent transactions; if it wasn't such a hassal, I would dump them. I don't really know what other banks are like, but I would not recommend doing business with this bank.

Ella1989mirela
1 stars

- ella1989mirela - Sunday, March 3, 2013 - 7:14 PM

I had this bank for 2 years I always had account issues, people are so rude, my card gets blocked all the time can't even make any purchases, I have to call to unblock my card by re setting my pin, and now I haven't used this card for about 4 or more months and I tried to make a deposit to my account the lady said ur account is closed they closed it because I didn't spin my money how stupid, and they asked if I wanted to re open the account, I said no hell way, they treat people so wrong I hate them, don't bank with them.

I Love My Bank
5 stars

- dtd711 - Friday, May 17, 2013 - 10:09 AM

I've been with this bank specifically the Roswell branch for about 10 years and it rocks!!! I have always had great service!!! Beth, Mary and Kathy are the greatest. if you want a bank that knows and remembers you by face, name and helps you when you need it go to Fidelity Bank! And my checking is free and all these other banks want to charge me for checking.