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The Fidelity Bank
Fuquay Varina, NC · FDIC Certificate #11507 · Chartered 01/0
Total assets
$4.66B
Total deposits
$4.17B
Total equity
$467.69M
Net loans
$2.89B
Branches (offices)
55
Net income (YTD)
$39.10M
Rank: #300 of 4,213 U.S. banks by assets · #7 of 38 in North Carolina. Assets changed 9.3% and deposits 7.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.73% |
| Return on equity | 17.38% |
| Net interest margin (YTD) | 4.06% |
| Equity to assets | 10.03% |
| Tier 1 leverage ratio | 11.47% |
| Uninsured deposits (share of deposits) | 38.2% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.06% |
| Loans to deposits | 69.2% |
| Real estate loans (share of loans) | 91.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.64B | 91.3% | |
| Commercial & industrial | $243.82M | 8.4% | |
| Consumer / individual | $25.28M | 0.9% | |
| Construction & development | $474.46M | 16.4% | |
| Agricultural | $3.09M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.80B | $3.59B | $20.43M | $201.54M |
| Jun 2023 | $3.75B | $3.47B | $29.44M | $212.58M |
| Jun 2024 | $3.86B | $3.57B | $29.18M | $277.80M |
| Jun 2025 | $4.26B | $3.87B | $33.71M | $374.07M |
| Jun 2026 | $4.66B | $4.17B | $39.10M | $467.69M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $4.05B | 52 |
| Virginia | $78.33M | 1 |
| South Carolina | $46.12M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $4.17B.
Similar-sized banks
Erebor Bank, N.A. ($4.66B) · First National Bank Texas ($4.64B)
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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