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Fidelity Bank & Trust
Dubuque, IA · FDIC Certificate #14382 · Chartered 04/2
Total assets
$2.60B
Total deposits
$2.13B
Total equity
$268.38M
Net loans
$1.89B
Branches (offices)
36
Net income (YTD)
$16.69M
Rank: #485 of 4,213 U.S. banks by assets · #8 of 225 in Iowa. Assets changed 28.6% and deposits 23.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.30% |
| Return on equity | 12.72% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 10.31% |
| Tier 1 leverage ratio | 8.98% |
| Uninsured deposits (share of deposits) | 41.0% |
| Noncurrent loans (share of loans) | 1.26% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 88.6% |
| Real estate loans (share of loans) | 60.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.14B | 60.2% | |
| Commercial & industrial | $274.55M | 14.5% | |
| Consumer / individual | $28.48M | 1.5% | |
| Construction & development | $74.55M | 3.9% | |
| Agricultural | $429.55M | 22.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.71B | $1.52B | $6.78M | $169.44M |
| Jun 2023 | $1.82B | $1.58B | $5.18M | $175.42M |
| Jun 2024 | $1.90B | $1.66B | $4.76M | $183.93M |
| Jun 2025 | $2.02B | $1.73B | $9.61M | $206.96M |
| Jun 2026 | $2.60B | $2.13B | $16.69M | $268.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $2.00B | 33 |
| Illinois | $73.37M | 1 |
| Minnesota | $34.41M | 1 |
| Wisconsin | $28.12M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.13B.
Similar-sized banks
North Shore Bank ($2.61B) · Dedham Institution For Savings ($2.60B)
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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