The Fidelity Bank Mortgage Rates, Fees & Info

Fuquay-Varina, NC

LEI: 25490012KFFZI81TDT02

Tax ID: 56-0132040

5 stars - out of 5 stars, based on 43 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

The Fidelity Bank is a smaller bank specializing in Home Purchase and Refi loans. The Fidelity Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Raleigh, Durham, Greensboro, Winston, and Charlotte among others. The Fidelity Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. The Fidelity Bank is typically an average fee lendor.


Originations

1,863

Origination Dollar Volume (All Markets)

$402,605,000

Employee count

497

Awards

The Fidelity Bank 30 Year Conventional Loans bronze The Fidelity Bank 30 Year Conventional Loans bronze
Show all (2) awards

Relative Rate

The Fidelity Bank's average 30 year fixed rate mortgage of loans were 3.16%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.01%.

Relative Fees

The Fidelity Bank's average total fees for a 30 year fixed rate mortgage are $3,800.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
RALEIGH-CARY, NC (FHA|USDA|VA) 410 $95,800,000 $233,659 $3,354 3.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 205 $54,385,000 $265,293 $3,850 3.30%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 246 $41,230,000 $167,602 $3,557 3.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 188 $36,530,000 $194,309 $3,112 3.36%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 135 $31,475,000 $233,148 $3,584 3.40%
BURLINGTON, NC (FHA|USDA|VA) 105 $20,945,000 $199,476 $4,123 3.17%
Shelby, NC (FHA|USDA|VA) 89 $18,525,000 $208,146 $3,428 3.36%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 87 $17,645,000 $202,816 $3,860 3.33%
Outside of Metro Areas 74 $15,040,000 $203,243 $4,063 3.47%
FAYETTEVILLE, NC (FHA|USDA|VA) 76 $14,400,000 $189,474 $3,649 3.39%
Martinsville, VA (FHA|USDA|VA) 73 $9,465,000 $129,658 $4,096 3.34%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 26 $9,220,000 $354,615 $3,978 3.23%
Morehead City, NC (FHA|USDA|VA) 11 $5,745,000 $522,273 $5,434 3.21%
Rockingham, NC (FHA|USDA|VA) 25 $3,625,000 $145,000 $3,804 3.43%
ROANOKE, VA (FHA|USDA|VA) 17 $3,355,000 $197,353 $3,214 3.03%
Sanford, NC (FHA|USDA|VA) 15 $2,805,000 $187,000 $3,372 3.34%
WILMINGTON, NC (FHA|USDA|VA) 7 $2,405,000 $343,571 $3,426 3.00%
Forest City, NC (FHA|USDA|VA) 7 $2,265,000 $323,571 $3,039 3.60%
JACKSONVILLE, NC (FHA|USDA|VA) 5 $2,095,000 $419,000 $3,635 3.03%
Boone, NC (FHA|USDA|VA) 6 $1,920,000 $320,000 $5,107 3.04%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $1,655,000 $331,000 $6,177 3.49%
Henderson, NC (FHA|USDA|VA) 8 $1,500,000 $187,500 $3,310 2.94%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,145,000 $381,667 $4,103 3.99%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $880,000 $440,000 $2,822 2.63%
ASHEVILLE, NC (FHA|USDA|VA) 5 $845,000 $169,000 $3,274 3.48%
Albemarle, NC (FHA|USDA|VA) 3 $685,000 $228,333 $3,084 3.58%
NEW BERN, NC (FHA|USDA|VA) 2 $620,000 $310,000 $2,257 3.60%
Cullowhee, NC (FHA|USDA|VA) 2 $600,000 $300,000 $4,589 3.69%
Lumberton, NC (FHA|USDA|VA) 4 $550,000 $137,500 $0 3.75%
Washington, NC (FHA|USDA|VA) 1 $505,000 $505,000 $3,210 2.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $505,000 $505,000 $0 3.25%
RICHMOND, VA (FHA|USDA|VA) 2 $480,000 $240,000 $2,836 3.13%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $435,000 $435,000 $3,745 3.38%
Marion, NC (FHA|USDA|VA) 1 $425,000 $425,000 $3,568 3.50%
Danville, VA (FHA|USDA|VA) 3 $375,000 $125,000 $5,882 3.33%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $325,000 $325,000 $7,825 2.63%
Kinston, NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,068 3.00%
LYNCHBURG, VA (FHA|USDA|VA) 1 $295,000 $295,000 $3,541 4.13%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $265,000 $88,333 $2,758 3.38%
GREENVILLE, NC (FHA|USDA|VA) 1 $245,000 $245,000 $4,144 3.63%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $235,000 $235,000 $3,183 2.75%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $235,000 $235,000 $2,345 3.38%
Wilson, NC (FHA|USDA|VA) 1 $185,000 $185,000 $1,648 2.50%
GOLDSBORO, NC (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.35%
Seneca, SC (FHA|USDA|VA) 1 $145,000 $145,000 $3,362 3.00%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $115,000 $115,000 $0 3.63%

The Fidelity Bank's top markets include Raleigh, Durham, Greensboro, Winston, and Charlotte among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,795 $388,015,000 $216,164 $3,460 3.32%
USDA 25 $4,425,000 $177,000 $5,084 2.90%
FHA 24 $5,240,000 $218,333 $7,138 3.01%
VA 19 $4,925,000 $259,211 $6,441 2.88%

For the 2021 period, The Fidelity Bank's most frequently originated loan type of loans were Conventional, with 1,795 originations. Their 2nd most popular type is USDA, with 25 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 568 $164,950,000 $290,405 $4,073 3.29%
Refi 533 $117,285,000 $220,047 $3,169 3.04%
Cash Out Refi 264 $57,020,000 $215,985 $3,553 3.12%
Home Improvement 253 $33,235,000 $131,364 $0 3.73%
Other 245 $30,115,000 $122,918 $0 3.67%

For the 2021, The Fidelity Bank's most frequently cited loan purpose of loans were Home Purchase, with 568 originations. The 2nd most popular reason of loans were Refi, with 533 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 757 $192,315,000 $254,049 $3,800 3.16%
10 Year 622 $82,620,000 $132,830 $3,291 3.64%
15 Year 296 $62,930,000 $212,601 $3,350 2.62%
Other 82 $30,220,000 $368,537 $2,934 3.78%
5 Year 69 $21,145,000 $306,449 $0 4.04%
20 Year 23 $4,695,000 $204,130 $3,096 3.11%
3 Year 12 $8,290,000 $690,833 $0 4.10%
1 Year 2 $390,000 $195,000 $0 4.75%

For the 2021, The Fidelity Bank's most frequently cited loan length of loans were 30 Year, with 757 originations. The 2nd most popular length of loans were 10 Year, with 622 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 601 $142,875,000 $237,729
$1k-2k 265 $54,785,000 $206,736
$2k-3k 88 $24,150,000 $274,432
$3k-4k 59 $19,685,000 $333,644
$5k+ 33 $16,125,000 $488,636

$3,800 of loans were The Fidelity Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 601 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 1,039 $237,405,000 $228,494
2.5-3% 462 $110,200,000 $238,528
4-5% 198 $20,480,000 $103,434
<2.5% 160 $34,010,000 $212,563
5-6% 4 $510,000 $127,500

During 2021, The Fidelity Bank's average interest rate of loans were 3.16%, while their most frequently originated rate bucket of loans were 3-4%, with 1,039 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 678 $95,140,000 $140,324 $3,222 3.19%
$200k-400k 580 $161,160,000 $277,862 $3,822 3.14%
$100,000 or less 403 $24,395,000 $60,533 $2,800 3.76%
$400k-600k 162 $78,080,000 $481,975 $4,374 3.19%
$600k-1MM 22 $16,680,000 $758,182 $8,808 3.49%
$1MM+ 18 $27,150,000 $1,508,333 $9,727 3.60%

2021 saw The Fidelity Bank place emphasis on $100k-200k loans with 678 originations, totaling $95,140,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 347 $74,015,000 $213,300 $3,760 3.28%
$50k-75k 330 $54,560,000 $165,333 $3,437 3.22%
$50k or less 306 $36,190,000 $118,268 $3,316 3.21%
$150k-250k 278 $68,920,000 $247,914 $3,799 3.31%
$75k-100k 262 $51,260,000 $195,649 $3,772 3.23%
$250k+ 193 $57,455,000 $297,694 $4,687 3.32%

The Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 347 originations. The second most popular income band? $50k-75k, with 330 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 437 $81,425,000 $186,327 $3,430 3.24%
30-36% 301 $63,615,000 $211,346 $3,744 3.22%
<20% 221 $40,695,000 $184,140 $3,293 3.29%
39% 79 $16,115,000 $203,987 $3,503 3.25%
43% 66 $13,760,000 $208,485 $3,827 3.22%
42% 61 $12,245,000 $200,738 $3,621 3.21%
40% 57 $12,265,000 $215,175 $4,491 3.20%
41% 55 $11,325,000 $205,909 $4,026 3.25%
44% 54 $10,840,000 $200,741 $4,159 3.27%
37% 52 $10,590,000 $203,654 $3,817 3.28%
48% 51 $11,095,000 $217,549 $3,624 3.12%
38% 51 $10,105,000 $198,137 $3,406 3.26%
36% 49 $8,655,000 $176,633 $3,424 3.38%
46% 45 $8,335,000 $185,222 $3,337 3.19%
49% 44 $11,750,000 $267,045 $3,853 3.19%
47% 40 $9,960,000 $249,000 $3,692 3.27%
45% 38 $8,080,000 $212,632 $3,885 3.32%
50-60% 29 $4,965,000 $171,207 $8,280 3.64%
>60% 10 $1,410,000 $141,000 $0 3.77%

The Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 437 originations. The next most common DTI ratio? 30-36%, with 301 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,578 $320,700,000 $203,232 $3,613 3.25%
Not applicable 109 $45,035,000 $413,165 $0 4.00%
Black 72 $12,150,000 $168,750 $3,811 3.29%
Not provided 50 $10,680,000 $213,600 $3,533 3.46%
Asian 37 $10,475,000 $283,108 $4,066 3.13%
Asian Indian 6 $1,330,000 $221,667 $8,895 3.19%
Other Asian 3 $1,035,000 $345,000 $3,496 3.21%
American Indian 5 $965,000 $193,000 $4,407 3.38%
Vietnamese 2 $220,000 $110,000 $0 3.50%
Guamanian 1 $15,000 $15,000 $0 4.25%

Approval Rates

Total approvals of all applications
87.72%

The Fidelity Bank has an average approval rate.

Pick Rate

Approvals leading to origination
77.26%

The Fidelity Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 1,863 $402,605,000 $216,106

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,863 $402,605,000 $216,106

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 335 $47,705,000 $142,403 $3,137 3.40%
40-60% 400 $91,220,000 $228,050 $3,289 3.06%
60-80% 592 $168,890,000 $285,287 $3,560 3.27%
80-100% 311 $78,225,000 $251,527 $4,207 3.17%
Over 100% 3 $695,000 $231,667 $10,018 2.83%
Under 20% 222 $15,870,000 $71,486 $2,434 3.87%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
The Fidelity Bank 100 West Chatham Street Cary, NC 27511 Full Service B&M $138,283
The Fidelity Bank 1296 South Fifth Street Mebane, NC 27302 Full Service B&M $41,965
The Fidelity Bank 130 East Salisbury Street Robbins, NC 27325 Full Service B&M $58,736
The Fidelity Bank 1304 North Main Street Fuquay-Varina, NC 27526 Full Service B&M $36,653
The Fidelity Bank 1426 East 11th Street Siler City, NC 27344 Full Service B&M $60,611
The Fidelity Bank 163 South Main Street Kernersville, NC 27284 Full Service B&M $88,730
The Fidelity Bank 186 Williamson Road Mooresville, NC 28117 Full Service B&M $29,996
The Fidelity Bank 20 Pine State Street Lillington, NC 27546 Full Service B&M $45,187
The Fidelity Bank 202 Court Square Yanceyville, NC 27379 Full Service B&M $50,630
The Fidelity Bank 207 North Main Street Mount Gilead, NC 27306 Full Service B&M $42,858
The Fidelity Bank 2085 Statesville Boulevard Salisbury, NC 28147 Full Service B&M $33,296
The Fidelity Bank 225 North Main Street Candor, NC 27229 Full Service B&M $29,031
The Fidelity Bank 231 East Church Street Martinsville, VA 24112 Full Service B&M $40,814
The Fidelity Bank 32 Industrial Park Drive Suite 140, Suite 140 Pittsboro, NC 27312 Full Service B&M $38,622
The Fidelity Bank 3300 Virginia Avenue Collinsville, VA 24078 Full Service B&M $35,647
The Fidelity Bank 3306 Healy Drive Winston Salem, NC 27103 Full Service B&M $47,335
The Fidelity Bank 331 South Lafayette Street Shelby, NC 28150 Full Service B&M $143,419
The Fidelity Bank 520 N. Main Street Biscoe, NC 27209 Full Service B&M $93,156
The Fidelity Bank 5220 Falls Of Neuse Road Raleigh, NC 27609 Full Service B&M $71,197
The Fidelity Bank 532 East Broad Avenue Rockingham, NC 28379 Full Service B&M $83,147
The Fidelity Bank 5700 Creedmoor Rd Raleigh, NC 27612 Full Service B&M $77,415
The Fidelity Bank 600 Oberlin Road Raleigh, NC 27605 Full Service B&M $91,850
The Fidelity Bank 610 Cox Road Gastonia, NC 28054 Full Service B&M $40,190
The Fidelity Bank 6856 Jordan Road Ramseur, NC 27316 Full Service B&M $60,767
The Fidelity Bank 7000 Gb Alford Highway Holly Springs, NC 27540 Full Service B&M $62,708
The Fidelity Bank 100 South Main Street Fuquay Varina, NC 27526 Full Service B&M $152,186
The Fidelity Bank 231 South White Street Wake Forest, NC 27587 Full Service B&M $78,943
The Fidelity Bank 237 East Main Street Gibsonville, NC 27249 Full Service B&M $36,904
The Fidelity Bank 2441 South Church Street Burlington, NC 27215 Full Service B&M $72,937
The Fidelity Bank 2501 Battleground Avenue Greensboro, NC 27420 Full Service B&M $76,384
The Fidelity Bank 2561 Lewisville-Clemmons Road Clemmons, NC 27012 Full Service B&M $36,227
The Fidelity Bank 258 West Swannanoa Avenue Liberty, NC 27298 Full Service B&M $71,558
The Fidelity Bank 2819 Jones Franklin Road Raleigh, NC 27606 Full Service B&M $50,588
The Fidelity Bank 2911 Village Drive Fayetteville, NC 28304 Full Service B&M $55,203
The Fidelity Bank 2933 Union Road Gastonia, NC 28054 Full Service B&M $51,142
The Fidelity Bank 3016 Shannon Road Durham, NC 27707 Full Service B&M $92,296
The Fidelity Bank 315 Albemarle Road Troy, NC 27371 Full Service B&M $62,397
The Fidelity Bank 32 Industrial Park Dr, Suite 140 Pittsboro, NC 27312 Full Service B&M $1,232
The Fidelity Bank 712 Martin Luther King Jr. Avenue Oxford, NC 27565 Full Service B&M $76,382
The Fidelity Bank 804 East Williams Street Apex, NC 27502 Full Service B&M $42,581
The Fidelity Bank 919 Us Highway 70 W Garner, NC 27529 Full Service B&M $71,643
The Fidelity Bank 1000 East Cumberland Street Dunn, NC 28334 Full Service B&M $27,317
The Fidelity Bank 1002 South Horner Boulevard Sanford, NC 27330 Full Service B&M $34,979
The Fidelity Bank 10217 Chapel Hill Road Morrisville, NC 27560 Full Service B&M $54,103
The Fidelity Bank 103 South Henry Street Stoneville, NC 27048 Full Service B&M $24,106
The Fidelity Bank 1035 Randolph Street Thomasville, NC 27360 Full Service B&M $37,790
The Fidelity Bank 105 West Gordon Street Roxboro, NC 27573 Full Service B&M $32,421
The Fidelity Bank 106 E Taft Avenue Asheboro, NC 27203 Full Service B&M $23,388
The Fidelity Bank 11175 Us 15-501 Hwy Aberdeen, NC 28315 Full Service B&M $46,831
The Fidelity Bank 112 South 401 By-Pass Raeford, NC 28376 Full Service B&M $33,383
The Fidelity Bank 114 West Second Avenue Lexington, NC 27292 Full Service B&M $43,725
The Fidelity Bank 12201 Capital Boulevard Wake Forest, NC 27587 Full Service B&M $35,368

For 2021, The Fidelity Bank had 52 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $95,255
Net interest income $94,000
Total noninterest income $31,796
Gross Fiduciary activities income $1,575
Service charges on deposit accounts $5,980
Trading account gains and fees $0
Additional Noninterest Income $24,241
Pre-tax net operating income $52,962
Securities gains (or losses, -) $571
Income before extraordinary items $42,001
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $42,001
Minority interest net income $0
Net income $42,001
Sale, conversion, retirement of capital stock, net $0
Net operating income $41,549

The Fidelity Bank's gross interest income from loans was $95,255,000.
The Fidelity Bank's net interest income from loans was $94,000,000.
The Fidelity Bank's fee based income from loans was $5,980,000.
The Fidelity Bank's net income from loans was $42,001,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $1,255
Provision for credit losses $3,045
Total noninterest expense $69,789
Salaries and employee benefits $44,390
Premises and equipment expense $7,722
Additional noninterest expense $17,677
Applicable income taxes $11,532
Net charge-offs $-863
Cash dividends $2,040

The Fidelity Bank's interest expense for loans was $1,255,000.
The Fidelity Bank's payroll and benefits expense were $44,390,000.
The Fidelity Bank's property, plant and equipment expenses $7,722,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $3,271,269
Deposits held in domestic offices $3,271,269
Deposits by Individuals, partnerships, and corporations $3,155,763
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $115,326
Deposits by Commercial banks and other depository institutions in U.S. $180
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $2,053,439
Demand deposits $1,526,343
Nontransaction accounts $1,217,830
Money market deposit accounts (MMDAs) $817,298
Other savings deposits (excluding MMDAs) $251,207
Total time deposits $149,325
Total time and savings deposits $1,744,926
Noninterest-bearing deposits $1,526,343
Interest-bearing deposits $1,744,925
Retail deposits $3,250,210
IRAs and Keogh plan accounts $45,968
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $3,564,427
Cash & Balances due from depository institutions $619,861
Interest-bearing balances $582,421
Total securities $1,111,358
Federal funds sold & reverse repurchase $0
Net loans and leases $1,741,117
Loan and leases loss allowance $25,918
Trading account assets $0
Bank premises and fixed assets $48,051
Other real estate owned $0
Goodwill and other intangibles $19,638
All other assets $24,402

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $3,564,427
Total Liabilities $3,280,972
Total deposits $3,271,269
Interest-bearing deposits $1,744,925
Deposits held in domestic offices $3,271,269
% insured (estimated) $66
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $9,703

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,741,117
Loan and leases loss allowance $25,918
Total loans and leases (domestic) $1,767,035
All real estate loans $1,565,946
Real estate loans in domestic offices $1,565,946
Construction and development loans $255,248
Residential 1-4 family construction $100,191
Other construction, all land development and other land $155,057
Loans secured by nonfarm nonresidential properties $1,008,153
Nonfarm nonresidential secured by owner-occupied properties $633,767
Commercial real estate & other non-farm, non-residential $374,386
Multifamily residential real estate $55,534
1-4 family residential loans $211,754
Farmland loans $35,257
Loans held in foreign offices $0
Farm loans $4,784
Commercial and industrial loans $184,182
To non-U.S. addressees $0
Loans to individuals $11,822
Credit card loans $6,892
Related Plans $694
Consumer Auto Loans $885
Other loans to individuals $3,351
All other loans & leases $301
Loans to foreign governments and official institutions $0
Other loans $301
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $39
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $13,970
Non 1-4 family restructured loans & leases $12,732
Total loans and leases (foreign) $0

The Fidelity Bank had $1,741,117,000 of loans outstanding in 2021. $1,565,946,000 of loans were in real estate loans. $255,248,000 of loans were in development loans. $55,534,000 of loans were in multifamily mortgage loans. $211,754,000 of loans were in 1-4 family mortgage loans. $4,784,000 of loans were in farm loans. $6,892,000 of loans were in credit card loans. $885,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 1,532 $383,156 $250,102
Nonfarm, nonresidential loans - <$100k 225 $8,816 $39,182
Nonfarm, nonresidential loans - $100-250k 454 $51,816 $114,132
Nonfarm, nonresidential loans - $250k-1MM 853 $322,524 $378,106
Commercial & Industrial, US addressed loans - <$1MM 1,716 $97,839 $57,016
Commercial & Industrial, US addressed loans - <$100k 1,230 $19,894 $16,174
Commercial & Industrial, US addressed loans - $100-250k 260 $25,602 $98,469
Commercial & Industrial, US addressed loans - $250k-1MM 226 $52,343 $231,606
Farmland loans - <$1MM 97 $10,040 $103,505
Farmland loans - <$100k 34 $1,327 $39,029
Farmland loans - $100-250k 41 $4,507 $109,927
Farmland loans - $250k-1MM 22 $4,206 $191,182
Agriculture operations loans - <$1MM 12 $525 $43,750
Agriculture operations loans - <$100k 9 $92 $10,222
Agriculture operations loans - $100-250k 1 $93 $93,000
Agriculture operations loans - $250k-1MM 2 $340 $170,000