The Fidelity Bank Mortgage Rates, Fees & Info

Fuquay-Varina, NC

LEI: 25490012KFFZI81TDT02

Tax ID: 56-0132040

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Mortgage Data

Bank Data

Review & 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 a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Raleigh, Durham, Greensboro, Winston, and Pinehurst among others. We have data for 36 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% 4/18/24
30 Year Conventional Purchase 6.61% 4/18/24
30 Year Conventional Refi 6.64% 4/18/24
30 Year Cash-out Refi 6.87% 4/18/24
30 Year FHA Purchase 7.41% 4/18/24
30 Year FHA Refi 7.99% 4/18/24
30 Year VA Purchase 6.22% 4/18/24
30 Year VA Refi 6.27% 4/18/24
30 Year USDA Purchase 6.85% 4/18/24
15 Year Conventional Purchase 5.93% 4/18/24
15 Year Conventional Refi 6.15% 4/18/24
15 Year Cash-out Refi 6.15% 4/18/24
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

1,126

Origination Dollar Volume (All Markets)

$196,490,000

Employee count

451

Awards

The Fidelity Bank 30 Year Conventional Loans bronze The Fidelity Bank 30 Year Conventional Loans silver The Fidelity Bank 30 Year Conventional Loans silver The Fidelity Bank 30 Year Conventional Loans bronze
Show all (4) awards

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
RALEIGH-CARY, NC (FHA|USDA|VA) 225 $42,785,000 $190,156 $3,345 5.04%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 149 $28,165,000 $189,027 $3,448 4.92%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 146 $20,900,000 $143,151 $3,390 5.12%
WINSTON-SALEM, NC (FHA|USDA|VA) 121 $18,475,000 $152,686 $2,923 5.11%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 80 $15,080,000 $188,500 $3,951 4.79%
Shelby, NC (FHA|USDA|VA) 77 $12,215,000 $158,636 $3,326 5.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 54 $10,950,000 $202,778 $3,081 4.99%
FAYETTEVILLE, NC (FHA|USDA|VA) 42 $7,880,000 $187,619 $2,853 4.96%
BURLINGTON, NC (FHA|USDA|VA) 48 $6,940,000 $144,583 $3,019 5.05%
Outside of Metro Areas 49 $5,425,000 $110,714 $3,339 5.29%
Martinsville, VA (FHA|USDA|VA) 35 $4,655,000 $133,000 $3,920 4.94%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 11 $3,405,000 $309,545 $3,896 4.48%
ASHEVILLE, NC (FHA|USDA|VA) 2 $3,260,000 $1,630,000 $0 4.55%
Morehead City, NC (FHA|USDA|VA) 10 $2,840,000 $284,000 $3,405 4.26%
Rockingham, NC (FHA|USDA|VA) 21 $2,005,000 $95,476 $3,146 5.28%
Boone, NC (FHA|USDA|VA) 7 $1,695,000 $242,143 $3,318 4.55%
ROANOKE, VA (FHA|USDA|VA) 7 $1,435,000 $205,000 $3,248 4.43%
Henderson, NC (FHA|USDA|VA) 6 $1,400,000 $233,333 $3,587 4.13%
Sanford, NC (FHA|USDA|VA) 9 $1,355,000 $150,556 $3,908 5.21%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $1,350,000 $675,000 $4,856 5.19%
WILMINGTON, NC (FHA|USDA|VA) 3 $1,085,000 $361,667 $4,268 3.83%
Roanoke Rapids, NC (FHA|USDA|VA) 2 $550,000 $275,000 $1,818 4.38%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $405,000 $405,000 $0 4.50%
LYNCHBURG, VA (FHA|USDA|VA) 2 $320,000 $160,000 $2,576 4.75%
GREENVILLE, NC (FHA|USDA|VA) 2 $280,000 $140,000 $3,155 4.75%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $270,000 $135,000 $4,067 3.88%
Lumberton, NC (FHA|USDA|VA) 4 $260,000 $65,000 $3,050 6.34%
North Wilkesboro, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 5.50%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $235,000 $235,000 $3,202 4.38%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $155,000 $155,000 $4,260 4.00%
Bennettsville, SC (FHA|USDA|VA) 1 $125,000 $125,000 $4,413 4.25%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,679 3.50%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,671 4.13%
Albemarle, NC (FHA|USDA|VA) 1 $75,000 $75,000 $2,863 4.88%
Forest City, NC (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.50%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.50%
The Fidelity Bank's top markets include Raleigh, Durham, Greensboro, Winston, and Pinehurst among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 590 $134,550,000 $228,051 $3,115 4.48%
    HELOC 478 $50,180,000 $104,979 n/a 5.75%
    VA 26 $6,100,000 $234,615 $5,307 4.08%
    FHA 18 $3,420,000 $190,000 $6,260 4.16%
    USDA 14 $2,240,000 $160,000 $4,526 3.98%

    For 2019, The Fidelity Bank's most frequently originated type of loan was Conventional, with 590 originations. Their 2nd most popular type was HELOC, with 478 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 404 $91,680,000 $226,931 $3,547 4.50%
    Other 245 $25,755,000 $105,122 $4,177 5.76%
    Refi 232 $45,250,000 $195,043 $2,981 4.85%
    Home Improvement 127 $12,805,000 $100,827 $0 5.94%
    Cash Out Refi 118 $21,000,000 $177,966 $3,221 4.42%

    For 2019, The Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 404 originations. The 2nd most popular reason was Other, with 245 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 484 $51,920,000 $107,273 $2,754 5.74%
    30 Year 418 $94,500,000 $226,077 $3,508 4.39%
    15 Year 97 $19,145,000 $197,371 $2,918 3.82%
    5 Year 68 $14,450,000 $212,500 $0 5.19%
    Other 26 $10,960,000 $421,538 $3,008 4.88%
    20 Year 17 $3,295,000 $193,824 $3,166 4.43%
    3 Year 12 $1,150,000 $95,833 $0 5.69%
    1 Year 4 $1,070,000 $267,500 $0 6.50%

    For 2019, The Fidelity Bank's most frequently cited loan duration was 10 Year, with 484 originations. The 2nd most popular length was 30 Year, with 418 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 346 $75,980,000 $219,595
    $1k-2k 132 $28,160,000 $213,333
    $2k-3k 18 $5,090,000 $282,778
    $3k-4k 6 $2,040,000 $340,000
    $4k-5k 3 $1,075,000 $358,333
    $5k+ 3 $1,395,000 $465,000

    The Fidelity Bank's average total fees were $3,508, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 346 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 433 $53,815,000 $124,284
    4-5% 361 $80,855,000 $223,975
    3-4% 225 $57,015,000 $253,400
    6-7% 104 $4,650,000 $44,712
    7-8% 3 $155,000 $51,667

    During 2019, The Fidelity Bank's average interest rate for loans was 4.39%, while their most frequently originated rate bucket for loans was 5-6%, with 433 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 396 $53,720,000 $135,657 $3,109 4.84%
    $100,000 or less 380 $21,820,000 $57,421 $2,800 5.67%
    $200k-400k 270 $74,280,000 $275,111 $3,689 4.49%
    $400k-600k 60 $27,390,000 $456,500 $3,808 4.39%
    $600k-1MM 13 $9,735,000 $748,846 $7,355 4.41%
    $1MM+ 7 $9,545,000 $1,363,571 $4,227 4.37%

    2019 saw The Fidelity Bank place emphasis on $100k-200k loans with 396 originations, totaling $53,720,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 229 $30,615,000 $133,690 $3,271 4.94%
    $100k-150k 210 $40,530,000 $193,000 $3,787 4.99%
    $50k or less 192 $18,680,000 $97,292 $3,199 4.89%
    $75k-100k 169 $26,045,000 $154,112 $3,479 5.07%
    $150k-250k 143 $26,275,000 $183,741 $3,339 5.18%
    $250k+ 106 $27,870,000 $262,925 $3,465 5.06%

    The Fidelity Bank lent most frequently to those with incomes in the $50k-75k range, with 229 originations. The second most popular income band? $100k-150k, with 210 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 243 $36,305,000 $149,403 $3,168 5.07%
    30-36% 185 $28,535,000 $154,243 $3,610 5.04%
    <20% 105 $13,295,000 $126,619 $3,097 5.30%
    40% 44 $7,970,000 $181,136 $3,603 4.84%
    43% 43 $7,655,000 $178,023 $3,101 4.90%
    44% 42 $8,130,000 $193,571 $3,338 4.95%
    37% 41 $7,915,000 $193,049 $3,023 4.82%
    49% 39 $7,735,000 $198,333 $3,249 4.56%
    42% 36 $7,100,000 $197,222 $3,660 4.66%
    38% 36 $6,630,000 $184,167 $3,781 5.19%
    50-60% 36 $5,700,000 $158,333 $4,676 5.20%
    36% 34 $5,220,000 $153,529 $3,100 5.01%
    45% 31 $4,595,000 $148,226 $3,491 5.10%
    46% 31 $6,735,000 $217,258 $3,352 4.53%
    39% 26 $4,630,000 $178,077 $3,557 4.91%
    48% 26 $4,260,000 $163,846 $3,562 4.76%
    41% 25 $4,915,000 $196,600 $3,660 4.84%
    47% 22 $2,830,000 $128,636 $3,113 4.95%
    >60% 15 $1,685,000 $112,333 $0 5.43%

    The Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 243 originations. The next most common DTI ratio? 30-36%, with 185 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,002 $162,360,000 $162,036 $3,386 5.01%
    Not applicable 62 $23,520,000 $379,355 $0 5.00%
    Black 28 $3,990,000 $142,500 $3,284 4.87%
    Not provided 14 $2,760,000 $197,143 $4,154 5.12%
    Asian 13 $2,695,000 $207,308 $2,823 4.91%
    Asian Indian 2 $380,000 $190,000 $2,797 4.63%
    American Indian 2 $370,000 $185,000 $3,289 3.94%
    Native Hawaiian or Islander 1 $235,000 $235,000 $3,162 4.00%
    Vietnamese 2 $180,000 $90,000 $0 5.38%

    Approval Rates

    Total approvals of all applications
    85.18%

    The Fidelity Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.20%

    The Fidelity Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,126 $196,490,000 $174,503

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 5 $1,415,000 $283,000
    Multifamily:Site-Built 16 $11,960,000 $747,500
    Single Family (1-4 Units):Manufactured 25 $2,035,000 $81,400
    Single Family (1-4 Units):Site-Built 1,080 $181,080,000 $167,667

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 213 $22,035,000 $103,451 $2,998 5.50%
    40-60% 207 $38,625,000 $186,594 $3,058 4.98%
    60-80% 307 $73,915,000 $240,765 $3,200 4.59%
    80-100% 240 $51,290,000 $213,708 $3,607 4.45%
    Over 100% 3 $865,000 $288,333 $10,477 4.33%
    Under 20% 155 $9,105,000 $58,742 $2,707 6.03%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    The Fidelity Bank 100 South Main Street Fuquay Varina, NC 27526 Full Service B&M $93,979
    The Fidelity Bank 100 Sw Maynard Road Cary, NC 27511 Full Service B&M $20,592
    The Fidelity Bank 100 West Chatham Street Cary, NC 27511 Full Service B&M $79,355
    The Fidelity Bank 1000 East Cumberland Street Dunn, NC 28334 Full Service B&M $17,744
    The Fidelity Bank 1002 South Horner Boulevard Sanford, NC 27330 Full Service B&M $24,312
    The Fidelity Bank 10217 Chapel Hill Road Morrisville, NC 27560 Full Service B&M $20,133
    The Fidelity Bank 103 South Henry Street Stoneville, NC 27048 Full Service B&M $20,554
    The Fidelity Bank 1035 Randolph Street Thomasville, NC 27360 Full Service B&M $26,432
    The Fidelity Bank 105 West Gordon Street Roxboro, NC 27573 Full Service B&M $23,193
    The Fidelity Bank 11175 Us 15-501 Hwy Aberdeen, NC 28315 Full Service B&M $20,637
    The Fidelity Bank 112 South 401 By-Pass Raeford, NC 28376 Full Service B&M $23,259
    The Fidelity Bank 114 West Second Avenue Lexington, NC 27292 Full Service B&M $26,109
    The Fidelity Bank 12201 Capital Boulevard Wake Forest, NC 27587 Full Service B&M $27,393
    The Fidelity Bank 1296 South Fifth Street Mebane, NC 27302 Full Service B&M $20,388
    The Fidelity Bank 130 East Salisbury Street Robbins, NC 27325 Full Service B&M $47,717
    The Fidelity Bank 1304 North Main Street Fuquay-Varina, NC 27526 Full Service B&M $21,732
    The Fidelity Bank 1426 East 11th Street Siler City, NC 27344 Full Service B&M $30,648
    The Fidelity Bank 163 South Main Street Kernersville, NC 27284 Full Service B&M $55,500
    The Fidelity Bank 186 Williamson Road Mooresville, NC 28117 Full Service B&M $11,778
    The Fidelity Bank 20 Pine State Street Lillington, NC 27546 Full Service B&M $29,324
    The Fidelity Bank 202 Court Square Yanceyville, NC 27379 Full Service B&M $34,714
    The Fidelity Bank 207 North Main Street Mount Gilead, NC 27306 Full Service B&M $21,776
    The Fidelity Bank 2085 Statesville Boulevard Salisbury, NC 28147 Full Service B&M $19,833
    The Fidelity Bank 225 North Main Street Candor, NC 27229 Full Service B&M $19,712
    The Fidelity Bank 231 East Church Street Martinsville, VA 24112 Full Service B&M $28,326
    The Fidelity Bank 315 Albemarle Road Troy, NC 27371 Full Service B&M $38,799
    The Fidelity Bank 231 South White Street Wake Forest, NC 27587 Full Service B&M $39,462
    The Fidelity Bank 237 East Main Street Gibsonville, NC 27249 Full Service B&M $27,295
    The Fidelity Bank 2416 Southwest Cary Parkway Cary, NC 27513 Full Service B&M $20,436
    The Fidelity Bank 2441 South Church Street Burlington, NC 27215 Full Service B&M $34,843
    The Fidelity Bank 2501 Battleground Avenue Greensboro, NC 27420 Full Service B&M $34,559
    The Fidelity Bank 2538 East Lyon Station Road Creedmoor, NC 27522 Full Service B&M $16,346
    The Fidelity Bank 2561 Lewisville-Clemmons Road Clemmons, NC 27012 Full Service B&M $22,412
    The Fidelity Bank 258 West Swannanoa Avenue Liberty, NC 27298 Full Service B&M $47,022
    The Fidelity Bank 2819 Jones Franklin Road Raleigh, NC 27606 Full Service B&M $35,940
    The Fidelity Bank 2911 Village Drive Fayetteville, NC 28304 Full Service B&M $22,606
    The Fidelity Bank 2933 Union Road Gastonia, NC 28054 Full Service B&M $39,335
    The Fidelity Bank 3016 Shannon Road Durham, NC 27707 Full Service B&M $29,356
    The Fidelity Bank 3300 Virginia Avenue Collinsville, VA 24078 Full Service B&M $29,567
    The Fidelity Bank 3306 Healy Drive Winston Salem, NC 27103 Full Service B&M $22,565
    The Fidelity Bank 331 South Lafayette Street Shelby, NC 28150 Full Service B&M $99,806
    The Fidelity Bank 520 N. Main Street Biscoe, NC 27209 Full Service B&M $64,911
    The Fidelity Bank 5220 Falls Of Neuse Road Raleigh, NC 27609 Full Service B&M $35,293
    The Fidelity Bank 532 East Broad Avenue Rockingham, NC 28379 Full Service B&M $62,776
    The Fidelity Bank 5712 Creedmoor Road Raleigh, NC 27612 Full Service B&M $37,142
    The Fidelity Bank 600 Oberlin Road Raleigh, NC 27605 Full Service B&M $37,333
    The Fidelity Bank 610 Cox Road Gastonia, NC 28054 Full Service B&M $20,031
    The Fidelity Bank 6856 Jordan Road Ramseur, NC 27316 Full Service B&M $43,491
    The Fidelity Bank 7000 Gb Alford Highway Holly Springs, NC 27540 Full Service B&M $28,778
    The Fidelity Bank 712 Martin Luther King Jr. Avenue Oxford, NC 27565 Full Service B&M $40,468
    The Fidelity Bank 804 East Williams Street Apex, NC 27502 Full Service B&M $20,075
    The Fidelity Bank 8110 U.S. Highway 158 Stokesdale, NC 27357 Full Service B&M $21,966
    The Fidelity Bank 919 Us Highway 70 W Garner, NC 27529 Full Service B&M $41,090

    For 2019, The Fidelity Bank had 53 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $75,131
    Net interest income $72,259
    Total noninterest income $21,513
    Gross Fiduciary activities income $1,192
    Service charges on deposit accounts $5,653
    Trading account gains and fees $0
    Additional Noninterest Income $14,668
    Pre-tax net operating income $37,520
    Securities gains (or losses, -) $0
    Income before extraordinary items $29,227
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $29,227
    Minority interest net income $0
    Net income $29,227
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $29,227

    The Fidelity Bank's gross interest income from loans was $75,131,000.
    The Fidelity Bank's net interest income from loans was $72,259,000.
    The Fidelity Bank's fee based income from loans was $5,653,000.
    The Fidelity Bank's net income from loans was $29,227,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,872
    Provision for credit losses $756
    Total noninterest expense $55,496
    Salaries and employee benefits $35,570
    Premises and equipment expense $6,932
    Additional noninterest expense $12,994
    Applicable income taxes $8,293
    Net charge-offs $-324
    Cash dividends $1,553

    The Fidelity Bank's interest expense for loans was $2,872,000.
    The Fidelity Bank's payroll and benefits expense were $35,570,000.
    The Fidelity Bank's property, plant and equipment expenses $6,932,000.

    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 $1,824,183
    Deposits held in domestic offices $1,824,183
    Deposits by Individuals, partnerships, and corporations $1,770,641
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $51,699
    Deposits by Commercial banks and other depository institutions in U.S. $1,843
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $205,627
    Demand deposits $135,469
    Nontransaction accounts $1,618,556
    Money market deposit accounts (MMDAs) $461,248
    Other savings deposits (excluding MMDAs) $994,841
    Total time deposits $162,468
    Total time and savings deposits $1,688,714
    Noninterest-bearing deposits $722,045
    Interest-bearing deposits $1,102,138
    Retail deposits $1,806,519
    IRAs and Keogh plan accounts $46,409
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,072,511
    Cash & Balances due from depository institutions $216,432
    Interest-bearing balances $173,160
    Total securities $551,577
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,220,820
    Loan and leases loss allowance $17,830
    Trading account assets $0
    Bank premises and fixed assets $48,117
    Other real estate owned $250
    Goodwill and other intangibles $19,738
    All other assets $15,577

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,072,511
    Total Liabilities $1,835,664
    Total deposits $1,824,183
    Interest-bearing deposits $1,102,138
    Deposits held in domestic offices $1,824,183
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $11,481

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,220,820
    Loan and leases loss allowance $17,830
    Total loans and leases (domestic) $1,238,650
    All real estate loans $1,111,890
    Real estate loans in domestic offices $1,111,890
    Construction and development loans $163,473
    Residential 1-4 family construction $64,991
    Other construction, all land development and other land $98,482
    Loans secured by nonfarm nonresidential properties $717,273
    Nonfarm nonresidential secured by owner-occupied properties $454,776
    Commercial real estate & other non-farm, non-residential $262,497
    Multifamily residential real estate $31,659
    1-4 family residential loans $170,573
    Farmland loans $28,912
    Loans held in foreign offices $0
    Farm loans $2,583
    Commercial and industrial loans $113,251
    To non-U.S. addressees $0
    Loans to individuals $10,547
    Credit card loans $6,190
    Related Plans $1,025
    Consumer Auto Loans $776
    Other loans to individuals $2,556
    All other loans & leases $378
    Loans to foreign governments and official institutions $0
    Other loans $378
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $298
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $17,630
    Non 1-4 family restructured loans & leases $15,451
    Total loans and leases (foreign) $0

    The Fidelity Bank had $1,220,820,000 of loans outstanding in 2019. $1,111,890,000 of loans were in real estate loans. $163,473,000 of loans were in development loans. $31,659,000 of loans were in multifamily mortgage loans. $170,573,000 of loans were in 1-4 family mortgage loans. $2,583,000 of loans were in farm loans. $6,190,000 of loans were in credit card loans. $776,000 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 1,402 $312,148 $222,645
    Nonfarm, nonresidential loans - <$100k 237 $9,258 $39,063
    Nonfarm, nonresidential loans - $100-250k 439 $48,415 $110,285
    Nonfarm, nonresidential loans - $250k-1MM 726 $254,475 $350,517
    Commercial & Industrial, US addressed loans - <$1MM 1,152 $58,269 $50,581
    Commercial & Industrial, US addressed loans - <$100k 857 $10,892 $12,709
    Commercial & Industrial, US addressed loans - $100-250k 159 $12,597 $79,226
    Commercial & Industrial, US addressed loans - $250k-1MM 136 $34,780 $255,735
    Farmland loans - <$1MM 100 $9,620 $96,200
    Farmland loans - <$100k 39 $1,289 $33,051
    Farmland loans - $100-250k 36 $4,017 $111,583
    Farmland loans - $250k-1MM 25 $4,314 $172,560
    Agriculture operations loans - <$1MM 13 $456 $35,077
    Agriculture operations loans - <$100k 10 $167 $16,700
    Agriculture operations loans - $100-250k 3 $289 $96,333