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Fidelity Bank Of Texas
Waco, TX · FDIC Certificate #21455 · Chartered 03/0
Total assets
$162.84M
Total deposits
$132.53M
Total equity
$24.20M
Net loans
$109.08M
Branches (offices)
2
Net income (YTD)
-$446.00K
Rank: #3,212 of 4,213 U.S. banks by assets · #273 of 346 in Texas. Assets changed 18.4% and deposits 23.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.55% |
| Return on equity | -3.65% |
| Net interest margin (YTD) | 4.32% |
| Equity to assets | 14.86% |
| Tier 1 leverage ratio | 10.65% |
| Uninsured deposits (share of deposits) | 29.6% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 82.3% |
| Real estate loans (share of loans) | 90.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $98.13M | 90.0% | |
| Commercial & industrial | $9.78M | 9.0% | |
| Consumer / individual | $1.75M | 1.6% | |
| Construction & development | $15.55M | 14.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $111.60M | $98.56M | -$3.38M | $12.87M |
| Jun 2023 | $108.01M | $93.37M | $903.00K | $14.44M |
| Jun 2024 | $122.21M | $91.75M | $193.00K | $24.57M |
| Jun 2025 | $137.50M | $107.34M | $300.00K | $24.04M |
| Jun 2026 | $162.84M | $132.53M | -$446.00K | $24.20M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $132.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $132.53M.
Similar-sized banks
Security Bank Of Pulaski County ($162.93M) · First Bank ($162.38M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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