Fidelity Bank
New Orleans, LA·RSSD 255574·FDIC 28316·bank:255574·Risk-based ratios where reported
- #15 of 104Total assets in Louisiana
- 28offices
- 210employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Fidelity Bank
6 of 25 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal 2nd quarter1.69%peers 1.94%-24 bps
Fidelity Bank's cost of deposits has not eased the way it has at similar banks, while deposit growth trailed similar institutions, noninterest-bearing deposits lost share and borrowed funding increased.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 1.69% | 1.94% | -24 bps |
| Deposits, 12-month growth | ||
| -6.7% | +4.9% | -11.6 pp |
| Share of deposits that pay no interest | ||
| 20.3% | 19.5% | +0.8 pp |
| Borrowings as a share of assets | ||
| 9.1% | 1.6% | +7.5 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Fidelity Bank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending-7.0%peers +5.8%-12.8 pp
Fidelity Bank's loans declined 7.0% over the past year to $746 million. The median among 624 similar banks was +5.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -7.0% | +5.8% | -12.8 pp |
| Loans | ||
| $746 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Fidelity Bank itself is left out of every peer median and percentile. How signals work
Where Fidelity Bank differs most from peers
Efficiency ratio among the highest of similar banksContext: Efficiency90.6%peers 60.3%+30.3 pp
Fidelity Bank's efficiency ratio was 90.6%, compared with a median of 60.3% among 626 similar banks: higher than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 90.6% | 60.3% | +30.3 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Fidelity Bank itself is left out of every peer median and percentile. How signals work
4 more observations
- Deposits shrinking while the peer median growsFunding
- Noninterest-bearing deposit share falling faster than peersFunding
- Borrowed funding rising while the peer median holds steadyFunding
- Deposit costs rising while the peer median fallsFunding
Key facts
- Fidelity Bank is a bank headquartered in New Orleans, Louisiana. It reported $1.2 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $858 million, down 6.7% from a year earlier, and loans totaled $746 million, down 7.0%.
- Its net interest margin was 4.29% and its annualized return on assets was 0.14% for the quarter.
- Its cost of all deposits was 1.69%, compared with a median of 1.94% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Fidelity Bank's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Fidelity Bank · Bank
- Federal Reserve RSSD
- 255574
- FDIC certificate
- 28316
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Fidelity Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $450K | — | |
| $16.93M | — | |
| $4.8M | — | |
| $12.13M | — | |
| $3.02M | — | |
| $13.73M | — | |
| $475K | — | |
| $475K | — | |
| 0.14% | 0.14%ROAQ · Quarter | |
| 4.29% | 4.28%NIMYQ · Quarter | |
| 90.59% | 90.59%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.