The Fidelity Bank Mortgage Rates, Fees & Info

Fuquay-Varina, NC

LEI: 25490012KFFZI81TDT02

Tax ID: 56-0132040

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    The Fidelity Bank is a smaller bank specializing in Other, Home Purchase, and Refi loans. The Fidelity Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Durham, Raleigh, Wilmington, Greensboro, and Winston among others. We have data for 26 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Fidelity Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Fidelity Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.12% 4/21/24
    30 Year Conventional Purchase 6.61% 4/21/24
    30 Year Conventional Refi 6.64% 4/21/24
    30 Year Cash-out Refi 6.87% 4/21/24
    30 Year FHA Purchase 7.41% 4/21/24
    30 Year FHA Refi 7.99% 4/21/24
    30 Year VA Purchase 6.22% 4/21/24
    30 Year VA Refi 6.27% 4/21/24
    30 Year USDA Purchase 6.85% 4/21/24
    15 Year Conventional Purchase 5.93% 4/21/24
    15 Year Conventional Refi 6.15% 4/21/24
    15 Year Cash-out Refi 6.15% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    The Fidelity Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from The Fidelity Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    819

    Origination Dollar Volume (All Markets)

    $134,325,000

    Employee count

    429

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 113 $32,355,000 $286,327 $3,360 5.56%
    RALEIGH-CARY, NC (FHA|USDA|VA) 184 $26,940,000 $146,413 $2,849 5.54%
    WILMINGTON, NC (FHA|USDA|VA) 2 $13,710,000 $6,855,000 $4,271 4.75%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 88 $13,410,000 $152,386 $3,253 5.65%
    WINSTON-SALEM, NC (FHA|USDA|VA) 93 $9,755,000 $104,892 $2,653 5.57%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 48 $7,240,000 $150,833 $3,228 5.60%
    Shelby, NC (FHA|USDA|VA) 57 $6,535,000 $114,649 $2,779 5.64%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 44 $5,230,000 $118,864 $2,958 5.59%
    BURLINGTON, NC (FHA|USDA|VA) 35 $3,785,000 $108,143 $4,088 5.69%
    Outside of Metro Areas 38 $3,680,000 $96,842 $3,396 5.84%
    FAYETTEVILLE, NC (FHA|USDA|VA) 30 $2,910,000 $97,000 $2,286 5.54%
    Martinsville, VA (FHA|USDA|VA) 30 $2,120,000 $70,667 $3,378 5.78%
    ROANOKE, VA (FHA|USDA|VA) 9 $1,305,000 $145,000 $2,772 5.58%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $1,040,000 $260,000 $3,165 5.25%
    Rockingham, NC (FHA|USDA|VA) 20 $1,010,000 $50,500 $0 6.10%
    Henderson, NC (FHA|USDA|VA) 6 $730,000 $121,667 $0 5.33%
    Roanoke Rapids, NC (FHA|USDA|VA) 2 $700,000 $350,000 $2,013 4.88%
    Forest City, NC (FHA|USDA|VA) 3 $455,000 $151,667 $0 5.42%
    Boone, NC (FHA|USDA|VA) 2 $350,000 $175,000 $0 5.13%
    Albemarle, NC (FHA|USDA|VA) 2 $220,000 $110,000 $0 5.50%
    NEW BERN, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,660 5.13%
    Sanford, NC (FHA|USDA|VA) 4 $200,000 $50,000 $3,303 6.03%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,806 5.13%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,686 5.75%
    Marion, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.25%
    Gaffney, SC (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.50%
    The Fidelity Bank's top markets include Durham, Raleigh, Wilmington, Greensboro, and Winston among others.

    Their top states include:
  • North Carolina (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against The Fidelity Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    American National Bank and Trust Company
    Similarity Rank: 132
    Whitley Mortgage Associates, Inc.
    Similarity Rank: 258
    Belmont Savings Bank, SSB
    Similarity Rank: 390
    Roxboro Savings Bank SSB
    Similarity Rank: 567
    NewDominion Bank
    Similarity Rank: 602
    PROPONENT Federal Credit Union
    Similarity Rank: 645
    Coastal Carolina National Bank
    Similarity Rank: 756
    HOMESERVICES LENDING, LLC
    Similarity Rank: 884
    CREDIT UNION MORTGAGE ASSOCIATION, INC.
    Similarity Rank: 1343
    First Federal Bank
    Similarity Rank: 1734

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 579 $56,765,000 $98,040 n/a 5.76%
    Conventional 236 $76,740,000 $325,169 $2,976 5.26%
    VA 2 $520,000 $260,000 $6,099 4.38%
    USDA 2 $300,000 $150,000 $4,242 4.44%

    For 2018, The Fidelity Bank's most frequently originated type of loan was HELOC, with 579 originations. Their 2nd most popular type was Conventional, with 236 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 338 $33,310,000 $98,550 $0 5.77%
    Home Improvement 145 $13,645,000 $94,103 $676 5.86%
    Home Purchase 141 $28,425,000 $201,596 $3,101 5.27%
    Refi 132 $36,560,000 $276,970 $3,269 5.37%
    Cash Out Refi 63 $22,385,000 $355,317 $2,912 5.41%

    For 2018, The Fidelity Bank's most frequently cited loan purpose was Other, with 338 originations. The 2nd most popular reason was Home Improvement, with 145 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 581 $56,915,000 $97,960 $2,700 5.76%
    5 Year 97 $22,225,000 $229,124 $0 5.29%
    30 Year 80 $16,430,000 $205,375 $3,147 5.12%
    Other 17 $19,565,000 $1,150,882 $0 5.31%
    3 Year 16 $12,750,000 $796,875 $704 5.83%
    15 Year 14 $2,390,000 $170,714 $3,049 4.81%
    1 Year 9 $3,225,000 $358,333 $0 5.75%
    20 Year 5 $825,000 $165,000 $2,777 4.90%

    For 2018, The Fidelity Bank's most frequently cited loan duration was 10 Year, with 581 originations. The 2nd most popular length was 5 Year, with 97 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 72 $14,070,000 $195,417
    $1k-2k 16 $2,210,000 $138,125
    $2k-3k 11 $3,395,000 $308,636
    $3k-4k 2 $420,000 $210,000
    $4k-5k 2 $520,000 $260,000

    The Fidelity Bank's average total fees were $3,147, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 72 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 471 $65,925,000 $139,968
    4-5% 192 $51,190,000 $266,615
    6-7% 146 $5,000,000 $34,247
    Over 8% 6 $600,000 $100,000
    7-8% 3 $175,000 $58,333
    3-4% 1 $11,435,000 $11,435,000

    During 2018, The Fidelity Bank's average interest rate for loans was 5.12%, while their most frequently originated rate bucket for loans was 5-6%, with 471 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 391 $20,045,000 $51,266 $2,488 6.01%
    $100k-200k 279 $35,665,000 $127,832 $3,077 5.28%
    $200k-400k 120 $31,650,000 $263,750 $3,286 5.20%
    $400k-600k 16 $7,560,000 $472,500 $3,100 5.17%
    $1MM+ 7 $34,855,000 $4,979,286 $5,729 4.91%
    $600k-1MM 6 $4,550,000 $758,333 $0 4.92%

    2018 saw The Fidelity Bank place emphasis on $100,000 or less loans with 391 originations, totaling $20,045,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 156 $19,810,000 $126,987 $3,242 5.60%
    $50k-75k 143 $11,335,000 $79,266 $2,741 5.79%
    $75k-100k 133 $13,135,000 $98,759 $3,225 5.67%
    $150k-250k 115 $15,685,000 $136,391 $3,076 5.50%
    $50k or less 111 $8,155,000 $73,468 $2,860 5.86%
    $250k+ 76 $16,400,000 $215,789 $3,954 5.40%

    The Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 156 originations. The second most popular income band? $50k-75k, with 143 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 175 $17,995,000 $102,829 $2,941 5.65%
    30-36% 112 $12,120,000 $108,214 $3,435 5.66%
    <20% 102 $10,050,000 $98,529 $2,257 5.65%
    42% 40 $4,610,000 $115,250 $3,075 5.69%
    43% 34 $4,730,000 $139,118 $3,291 5.65%
    50-60% 33 $4,165,000 $126,212 $0 5.74%
    >60% 29 $6,025,000 $207,759 $4,271 5.56%
    38% 27 $2,935,000 $108,704 $2,783 5.47%
    40% 27 $2,905,000 $107,593 $3,831 5.64%
    44% 23 $2,595,000 $112,826 $3,183 5.86%
    39% 23 $3,275,000 $142,391 $2,830 5.74%
    37% 21 $2,555,000 $121,667 $2,668 5.59%
    41% 21 $2,735,000 $130,238 $3,885 5.78%
    36% 13 $1,145,000 $88,077 $0 5.75%
    45% 13 $1,565,000 $120,385 $3,253 5.50%
    49% 12 $1,340,000 $111,667 $2,788 5.43%
    46% 10 $1,020,000 $102,000 $2,548 5.76%
    47% 10 $1,460,000 $146,000 $2,857 5.50%
    48% 9 $1,295,000 $143,889 $1,805 5.74%

    The Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 175 originations. The next most common DTI ratio? 30-36%, with 112 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 659 $76,535,000 $116,138 $3,047 5.64%
    Not applicable 83 $49,575,000 $597,289 $0 5.20%
    Asian 24 $3,270,000 $136,250 $3,960 5.57%
    Not provided 17 $2,375,000 $139,706 $4,828 5.79%
    Black 29 $1,985,000 $68,448 $1,467 5.90%
    Vietnamese 2 $260,000 $130,000 $0 5.75%
    Asian Indian 2 $230,000 $115,000 $0 5.75%
    American Indian 2 $50,000 $25,000 $676 6.75%
    Native Hawaiian or Islander 1 $45,000 $45,000 $0 7.00%

    Approval Rates

    Total approvals of all applications
    79.18%

    The Fidelity Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    73.75%

    The Fidelity Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 819 $134,325,000 $164,011

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 7 $1,655,000 $236,429
    Multifamily:Site-Built 16 $37,400,000 $2,337,500
    Single Family (1-4 Units):Manufactured 18 $880,000 $48,889
    Single Family (1-4 Units):Site-Built 778 $94,390,000 $121,324

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 232 $25,110,000 $108,233 $2,105 5.69%
    40-60% 162 $22,380,000 $138,148 $3,279 5.50%
    60-80% 185 $62,985,000 $340,459 $2,996 5.33%
    80-100% 77 $14,155,000 $183,831 $3,153 5.20%
    Under 20% 163 $9,695,000 $59,479 $0 6.11%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Fidelity Bank 1000 East Cumberland Street Dunn, NC 28334 Full Service B&M $18,336
    The Fidelity Bank 100 South Main Street Fuquay Varina, NC 27526 Full Service B&M $95,701
    The Fidelity Bank 100 Sw Maynard Road Cary, NC 27511 Full Service B&M $21,536
    The Fidelity Bank 100 West Chatham Street Cary, NC 27511 Full Service B&M $69,735
    The Fidelity Bank 1002 South Horner Boulevard Sanford, NC 27330 Full Service B&M $16,509
    The Fidelity Bank 10217 Chapel Hill Road Morrisville, NC 27560 Full Service B&M $19,777
    The Fidelity Bank 103 South Henry Street Stoneville, NC 27048 Full Service B&M $20,987
    The Fidelity Bank 1035 Randolph Street Thomasville, NC 27360 Full Service B&M $27,466
    The Fidelity Bank 105 West Gordon Street Roxboro, NC 27573 Full Service B&M $22,497
    The Fidelity Bank 11175 Us 15-501 Hwy Aberdeen, NC 28315 Full Service B&M $16,261
    The Fidelity Bank 112 South 401 By-Pass Raeford, NC 28376 Full Service B&M $21,815
    The Fidelity Bank 114 West Second Avenue Lexington, NC 27292 Full Service B&M $23,774
    The Fidelity Bank 12201 Capital Boulevard Wake Forest, NC 27587 Full Service B&M $23,956
    The Fidelity Bank 1221 Broad Street Fuquay-Varina, NC 27526 Full Service B&M $3,746
    The Fidelity Bank 1296 South Fifth Street Mebane, NC 27302 Full Service B&M $19,326
    The Fidelity Bank 130 East Salisbury Street Robbins, NC 27325 Full Service B&M $40,083
    The Fidelity Bank 1304 North Main Street Fuquay-Varina, NC 27526 Full Service B&M $20,854
    The Fidelity Bank 1426 East 11th Street Siler City, NC 27344 Full Service B&M $27,155
    The Fidelity Bank 1537 Dabney Drive Henderson, NC 27536 Full Service B&M $18,157
    The Fidelity Bank 163 South Main Street Kernersville, NC 27284 Full Service B&M $52,215
    The Fidelity Bank 186 Williamson Road Mooresville, NC 28117 Full Service B&M $11,606
    The Fidelity Bank 20 Pine State Street Lillington, NC 27546 Full Service B&M $25,746
    The Fidelity Bank 201 Monroe Street Carthage, NC 28327 Full Service B&M $12,660
    The Fidelity Bank 202 Court Square Yanceyville, NC 27379 Full Service B&M $35,115
    The Fidelity Bank 207 North Main Street Mount Gilead, NC 27306 Full Service B&M $28,960
    The Fidelity Bank 2085 Statesville Boulevard Salisbury, NC 28147 Full Service B&M $18,590
    The Fidelity Bank 225 North Main Street Candor, NC 27229 Full Service B&M $19,303
    The Fidelity Bank 231 East Church Street Martinsville, VA 24112 Full Service B&M $27,036
    The Fidelity Bank 315 Albemarle Road Troy, NC 27371 Full Service B&M $37,098
    The Fidelity Bank 231 South White Street Wake Forest, NC 27587 Full Service B&M $37,747
    The Fidelity Bank 237 East Main Street Gibsonville, NC 27249 Full Service B&M $26,320
    The Fidelity Bank 2416 Southwest Cary Parkway Cary, NC 27513 Full Service B&M $19,208
    The Fidelity Bank 2441 South Church Street Burlington, NC 27215 Full Service B&M $28,772
    The Fidelity Bank 2501 Battleground Avenue Greensboro, NC 27420 Full Service B&M $26,403
    The Fidelity Bank 2538 East Lyon Station Road Creedmoor, NC 27522 Full Service B&M $13,926
    The Fidelity Bank 2561 Lewisville-Clemmons Road Clemmons, NC 27012 Full Service B&M $19,991
    The Fidelity Bank 258 West Swannanoa Avenue Liberty, NC 27298 Full Service B&M $47,349
    The Fidelity Bank 2819 Jones Franklin Road Raleigh, NC 27606 Full Service B&M $45,505
    The Fidelity Bank 2911 Village Drive Fayetteville, NC 28304 Full Service B&M $22,403
    The Fidelity Bank 2933 Union Road Gastonia, NC 28054 Full Service B&M $30,960
    The Fidelity Bank 3016 Shannon Road Durham, NC 27707 Full Service B&M $23,197
    The Fidelity Bank 3300 Virginia Avenue Collinsville, VA 24078 Full Service B&M $29,953
    The Fidelity Bank 3306 Healy Drive Winston Salem, NC 27103 Full Service B&M $23,511
    The Fidelity Bank 331 South Lafayette Street Shelby, NC 28150 Full Service B&M $82,199
    The Fidelity Bank 403 South Battleground Avenue Kings Mountain, NC 28086 Full Service B&M $17,713
    The Fidelity Bank 520 N. Main Street Biscoe, NC 27209 Full Service B&M $61,863
    The Fidelity Bank 5220 Falls Of Neuse Road Raleigh, NC 27609 Full Service B&M $34,392
    The Fidelity Bank 532 East Broad Avenue Rockingham, NC 28379 Full Service B&M $59,020
    The Fidelity Bank 5712 Creedmoor Road Raleigh, NC 27612 Full Service B&M $40,933
    The Fidelity Bank 600 Oberlin Road Raleigh, NC 27605 Full Service B&M $34,268
    The Fidelity Bank 610 Cox Road Gastonia, NC 28054 Full Service B&M $29,135
    The Fidelity Bank 6856 Jordan Road Ramseur, NC 27316 Full Service B&M $41,395
    The Fidelity Bank 7000 Gb Alford Highway Holly Springs, NC 27540 Full Service B&M $26,610
    The Fidelity Bank 712 Martin Luther King Jr. Avenue Oxford, NC 27565 Full Service B&M $27,428
    The Fidelity Bank 77 Powder Creek Lane Rocky Mount, VA 24151 Full Service B&M $12,179
    The Fidelity Bank 804 East Williams Street Apex, NC 27502 Full Service B&M $13,432
    The Fidelity Bank 8110 U.S. Highway 158 Stokesdale, NC 27357 Full Service B&M $19,252
    The Fidelity Bank 919 Us Highway 70 W Garner, NC 27529 Full Service B&M $36,796

    For 2018, The Fidelity Bank had 58 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $68,861
    Net interest income $67,627
    Total noninterest income $17,427
    Gross Fiduciary activities income $1,048
    Service charges on deposit accounts $5,408
    Trading account gains and fees $0
    Additional Noninterest Income $10,971
    Pre-tax net operating income $31,589
    Securities gains (or losses, -) $0
    Income before extraordinary items $24,491
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $24,491
    Minority interest net income $0
    Net income $24,491
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $24,491

    The Fidelity Bank's gross interest income from loans was $68,861,000.
    The Fidelity Bank's net interest income from loans was $67,627,000.
    The Fidelity Bank's fee based income from loans was $5,408,000.
    The Fidelity Bank's net income from loans was $24,491,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,234
    Provision for credit losses $767
    Total noninterest expense $52,698
    Salaries and employee benefits $32,661
    Premises and equipment expense $7,231
    Additional noninterest expense $12,806
    Applicable income taxes $7,098
    Net charge-offs $820
    Cash dividends $16,364

    The Fidelity Bank's interest expense for loans was $1,234,000.
    The Fidelity Bank's payroll and benefits expense were $32,661,000.
    The Fidelity Bank's property, plant and equipment expenses $7,231,000.

    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 $1,717,301
    Deposits held in domestic offices $1,717,301
    Deposits by Individuals, partnerships, and corporations $1,655,484
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $61,458
    Deposits by Commercial banks and other depository institutions in U.S. $358
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $188,475
    Demand deposits $127,337
    Nontransaction accounts $1,528,826
    Money market deposit accounts (MMDAs) $425,163
    Other savings deposits (excluding MMDAs) $931,376
    Total time deposits $172,287
    Total time and savings deposits $1,589,964
    Noninterest-bearing deposits $677,687
    Interest-bearing deposits $1,039,613
    Retail deposits $1,702,943
    IRAs and Keogh plan accounts $50,759
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,929,369
    Cash & Balances due from depository institutions $140,279
    Interest-bearing balances $98,930
    Total securities $580,796
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,122,423
    Loan and leases loss allowance $16,750
    Trading account assets $0
    Bank premises and fixed assets $47,950
    Other real estate owned $1,652
    Goodwill and other intangibles $19,789
    All other assets $16,480

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,929,369
    Total Liabilities $1,727,776
    Total deposits $1,717,301
    Interest-bearing deposits $1,039,613
    Deposits held in domestic offices $1,717,301
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $10,475

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,122,423
    Loan and leases loss allowance $16,750
    Total loans and leases (domestic) $1,139,173
    All real estate loans $1,042,827
    Real estate loans in domestic offices $1,042,827
    Construction and development loans $134,529
    Residential 1-4 family construction $62,929
    Other construction, all land development and other land $71,600
    Loans secured by nonfarm nonresidential properties $685,567
    Nonfarm nonresidential secured by owner-occupied properties $441,304
    Commercial real estate & other non-farm, non-residential $244,263
    Multifamily residential real estate $22,558
    1-4 family residential loans $171,919
    Farmland loans $28,254
    Loans held in foreign offices $0
    Farm loans $2,272
    Commercial and industrial loans $83,462
    To non-U.S. addressees $0
    Loans to individuals $10,295
    Credit card loans $6,014
    Related Plans $1,063
    Consumer Auto Loans $542
    Other loans to individuals $2,676
    All other loans & leases $318
    Loans to foreign governments and official institutions $0
    Other loans $318
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $410
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $10,825
    Non 1-4 family restructured loans & leases $8,123
    Total loans and leases (foreign) $0

    The Fidelity Bank had $1,122,423,000 of loans outstanding in 2018. $1,042,827,000 of loans were in real estate loans. $134,529,000 of loans were in development loans. $22,558,000 of loans were in multifamily mortgage loans. $171,919,000 of loans were in 1-4 family mortgage loans. $2,272,000 of loans were in farm loans. $6,014,000 of loans were in credit card loans. $542,000 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 1,421 $305,642 $215,089
    Nonfarm, nonresidential loans - <$100k 262 $10,333 $39,439
    Nonfarm, nonresidential loans - $100-250k 460 $50,842 $110,526
    Nonfarm, nonresidential loans - $250k-1MM 699 $244,467 $349,738
    Commercial & Industrial, US addressed loans - <$1MM 1,091 $44,388 $40,686
    Commercial & Industrial, US addressed loans - <$100k 829 $9,762 $11,776
    Commercial & Industrial, US addressed loans - $100-250k 145 $11,408 $78,676
    Commercial & Industrial, US addressed loans - $250k-1MM 117 $23,218 $198,444
    Farmland loans - <$1MM 98 $9,481 $96,745
    Farmland loans - <$100k 41 $1,579 $38,512
    Farmland loans - $100-250k 33 $3,478 $105,394
    Farmland loans - $250k-1MM 24 $4,424 $184,333
    Agriculture operations loans - <$1MM 13 $345 $26,538
    Agriculture operations loans - <$100k 10 $135 $13,500
    Agriculture operations loans - $100-250k 2 $150 $75,000
    Agriculture operations loans - $250k-1MM 1 $60 $60,000