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 Refi and Home Purchase 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 Charlotte among others. We have data for 42 markets. (Some data included below & more in-depth data is available with an active subscription.)

The Fidelity Bank has an above 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% 12/16/24
30 Year Conventional Purchase 6.61% 12/16/24
30 Year Conventional Refi 6.64% 12/16/24
30 Year Cash-out Refi 6.87% 12/16/24
30 Year FHA Purchase 7.41% 12/16/24
30 Year FHA Refi 7.99% 12/16/24
30 Year VA Purchase 6.22% 12/16/24
30 Year VA Refi 6.27% 12/16/24
30 Year USDA Purchase 6.85% 12/16/24
15 Year Conventional Purchase 5.93% 12/16/24
15 Year Conventional Refi 6.15% 12/16/24
15 Year Cash-out Refi 6.15% 12/16/24
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

1,668

Origination Dollar Volume (All Markets)

$354,160,000

Employee count

459

Awards

The Fidelity Bank 30 Year Conventional Loans gold The Fidelity Bank 30 Year Conventional Loans bronze
Show all (2) 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) 444 $104,280,000 $234,865 $3,321 3.24%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 223 $49,835,000 $223,475 $3,619 3.24%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 212 $41,910,000 $197,689 $3,325 3.28%
WINSTON-SALEM, NC (FHA|USDA|VA) 146 $33,480,000 $229,315 $2,950 3.34%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 108 $20,210,000 $187,130 $3,296 3.32%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 80 $18,350,000 $229,375 $3,646 3.33%
Shelby, NC (FHA|USDA|VA) 93 $18,255,000 $196,290 $3,283 3.59%
BURLINGTON, NC (FHA|USDA|VA) 69 $12,875,000 $186,594 $3,297 3.30%
FAYETTEVILLE, NC (FHA|USDA|VA) 59 $12,085,000 $204,831 $3,154 3.41%
Outside of Metro Areas 60 $9,100,000 $151,667 $3,457 3.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 25 $6,295,000 $251,800 $3,671 3.10%
Martinsville, VA (FHA|USDA|VA) 35 $3,755,000 $107,286 $4,098 3.66%
Sanford, NC (FHA|USDA|VA) 16 $2,980,000 $186,250 $3,618 3.28%
Rockingham, NC (FHA|USDA|VA) 20 $2,350,000 $117,500 $3,054 3.59%
ROANOKE, VA (FHA|USDA|VA) 11 $2,045,000 $185,909 $3,367 3.42%
WILMINGTON, NC (FHA|USDA|VA) 9 $1,905,000 $211,667 $3,568 3.30%
Boone, NC (FHA|USDA|VA) 8 $1,880,000 $235,000 $2,809 3.30%
Morehead City, NC (FHA|USDA|VA) 5 $1,805,000 $361,000 $3,916 3.18%
Danville, VA (FHA|USDA|VA) 4 $1,230,000 $307,500 $4,306 3.63%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $1,055,000 $351,667 $3,782 3.63%
Henderson, NC (FHA|USDA|VA) 5 $1,005,000 $201,000 $3,806 3.47%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $945,000 $315,000 $3,313 3.04%
Roanoke Rapids, NC (FHA|USDA|VA) 3 $875,000 $291,667 $2,278 3.28%
NEW BERN, NC (FHA|USDA|VA) 2 $650,000 $325,000 $2,914 3.06%
Georgetown, SC (FHA|USDA|VA) 2 $590,000 $295,000 $3,707 3.75%
SPARTANBURG, SC (FHA|USDA|VA) 3 $555,000 $185,000 $3,441 3.21%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $445,000 $445,000 $2,787 2.63%
Forest City, NC (FHA|USDA|VA) 2 $440,000 $220,000 $2,005 2.81%
GOLDSBORO, NC (FHA|USDA|VA) 3 $435,000 $145,000 $3,204 3.00%
Albemarle, NC (FHA|USDA|VA) 2 $320,000 $160,000 $2,678 2.87%
Washington, NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,074 3.63%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,502 3.00%
SUMTER, SC (FHA|USDA|VA) 1 $245,000 $245,000 $7,641 2.63%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $4,249 4.13%
RICHMOND, VA (FHA|USDA|VA) 1 $175,000 $175,000 $2,600 3.88%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.38%
Laurinburg, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,865 3.25%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $175,000 $175,000 $2,825 3.75%
Lumberton, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,929 3.50%
GREENVILLE, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,989 3.25%
North Wilkesboro, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,379 2.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $95,000 $95,000 $2,702 3.25%
The Fidelity Bank's top markets include Raleigh, Durham, Greensboro, Winston, and Charlotte among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,190 $297,090,000 $249,655 $3,232 3.29%
    HELOC 416 $44,480,000 $106,923 n/a 3.42%
    FHA 24 $4,560,000 $190,000 $6,780 3.15%
    USDA 20 $3,320,000 $166,000 $4,460 3.03%
    VA 18 $4,710,000 $261,667 $5,291 3.00%

    For 2020, The Fidelity Bank's most frequently originated type of loan was Conventional, with 1,190 originations. Their 2nd most popular type was HELOC, with 416 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 595 $129,825,000 $218,193 $3,051 3.15%
    Home Purchase 521 $138,345,000 $265,537 $3,703 3.40%
    Cash Out Refi 224 $49,650,000 $221,652 $3,389 3.30%
    Other 177 $17,865,000 $100,932 $3,440 3.43%
    Home Improvement 151 $18,475,000 $122,351 $3,884 3.52%

    For 2020, The Fidelity Bank's most frequently cited loan purpose was Refi, with 595 originations. The 2nd most popular reason was Home Purchase, with 521 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 796 $194,500,000 $244,347 $3,497 3.27%
    10 Year 426 $48,110,000 $112,934 $2,785 3.42%
    15 Year 279 $57,685,000 $206,756 $3,069 2.82%
    5 Year 82 $21,910,000 $267,195 $0 4.24%
    Other 53 $24,665,000 $465,377 $2,546 3.96%
    20 Year 21 $4,715,000 $224,524 $3,251 3.48%
    3 Year 9 $1,635,000 $181,667 $0 4.56%
    1 Year 2 $940,000 $470,000 $4,807 4.75%

    For 2020, The Fidelity Bank's most frequently cited loan duration was 30 Year, with 796 originations. The 2nd most popular length was 10 Year, with 426 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 610 $140,770,000 $230,770
    $1k-2k 341 $73,685,000 $216,085
    $2k-3k 75 $22,535,000 $300,467
    $3k-4k 29 $10,235,000 $352,931
    $4k-5k 11 $4,485,000 $407,727
    $5k+ 7 $4,185,000 $597,857

    The Fidelity Bank's average total fees were $3,497, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 610 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 903 $185,675,000 $205,620
    2.5-3% 466 $111,430,000 $239,120
    4-5% 182 $32,340,000 $177,692
    <2.5% 106 $23,520,000 $221,887
    5-6% 8 $1,100,000 $137,500
    6-7% 3 $95,000 $31,667

    During 2020, The Fidelity Bank's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 3-4%, with 903 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 590 $83,650,000 $141,780 $2,997 3.20%
    $200k-400k 561 $153,335,000 $273,324 $3,550 3.21%
    $100,000 or less 360 $21,780,000 $60,500 $2,830 3.65%
    $400k-600k 129 $59,635,000 $462,287 $3,969 3.24%
    $600k-1MM 17 $12,435,000 $731,471 $7,737 3.65%
    $1MM+ 11 $23,325,000 $2,120,455 $5,760 3.97%

    2020 saw The Fidelity Bank place emphasis on $100k-200k loans with 590 originations, totaling $83,650,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 325 $70,745,000 $217,677 $3,369 3.23%
    $50k-75k 321 $56,115,000 $174,813 $3,373 3.22%
    $50k or less 273 $33,605,000 $123,095 $3,072 3.28%
    $75k-100k 255 $51,365,000 $201,431 $3,555 3.25%
    $150k-250k 222 $51,410,000 $231,577 $3,408 3.32%
    $250k+ 134 $41,560,000 $310,149 $4,284 3.21%

    The Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 325 originations. The second most popular income band? $50k-75k, with 321 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 354 $69,460,000 $196,215 $3,196 3.16%
    30-36% 292 $56,550,000 $193,664 $3,296 3.21%
    <20% 159 $26,345,000 $165,692 $3,023 3.23%
    39% 68 $13,980,000 $205,588 $3,651 3.29%
    44% 64 $12,880,000 $201,250 $3,283 3.35%
    41% 63 $14,335,000 $227,540 $3,649 3.32%
    40% 61 $12,015,000 $196,967 $3,535 3.30%
    43% 59 $11,645,000 $197,373 $3,520 3.29%
    36% 59 $12,465,000 $211,271 $3,702 3.23%
    38% 56 $10,720,000 $191,429 $3,293 3.25%
    45% 54 $11,910,000 $220,556 $3,282 3.33%
    42% 52 $11,270,000 $216,731 $3,843 3.29%
    37% 45 $8,875,000 $197,222 $3,756 3.27%
    49% 45 $9,425,000 $209,444 $3,728 3.38%
    48% 37 $8,395,000 $226,892 $3,240 3.25%
    47% 30 $6,960,000 $232,000 $3,000 3.24%
    46% 28 $7,090,000 $253,214 $3,447 3.13%
    50-60% 17 $3,145,000 $185,000 $9,083 3.85%
    >60% 10 $2,030,000 $203,000 $0 4.23%

    The Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 354 originations. The next most common DTI ratio? 30-36%, with 292 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,470 $291,900,000 $198,571 $3,341 3.25%
    Not applicable 103 $42,995,000 $417,427 $0 4.17%
    Asian 32 $8,340,000 $260,625 $4,159 3.14%
    Black 32 $5,770,000 $180,313 $3,759 3.32%
    Not provided 20 $3,630,000 $181,500 $3,166 3.39%
    American Indian 5 $845,000 $169,000 $3,252 3.12%
    Native Hawaiian or Islander 2 $330,000 $165,000 $4,272 3.38%
    Other Pacific Islander 1 $115,000 $115,000 $2,260 3.38%
    Vietnamese 1 $105,000 $105,000 $0 3.24%
    Guamanian 1 $95,000 $95,000 $0 3.75%
    Asian Indian 1 $35,000 $35,000 $0 3.24%

    Approval Rates

    Total approvals of all applications
    90.64%

    The Fidelity Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.62%

    The Fidelity Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,668 $354,160,000 $212,326

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 7 $4,665,000 $666,429
    Multifamily:Site-Built 25 $26,075,000 $1,043,000
    Single Family (1-4 Units):Manufactured 17 $1,445,000 $85,000
    Single Family (1-4 Units):Site-Built 1,619 $321,975,000 $198,873

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 253 $31,005,000 $122,549 $2,908 3.34%
    40-60% 316 $67,870,000 $214,778 $3,040 3.17%
    60-80% 593 $155,475,000 $262,184 $3,264 3.33%
    80-100% 351 $88,685,000 $252,664 $3,769 3.24%
    Over 100% 6 $1,570,000 $261,667 $7,891 3.77%
    Under 20% 148 $9,520,000 $64,324 $1,855 3.61%

    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 $118,702
    The Fidelity Bank 100 Sw Maynard Road Cary, NC 27511 Full Service B&M $28,356
    The Fidelity Bank 100 West Chatham Street Cary, NC 27511 Full Service B&M $103,205
    The Fidelity Bank 1000 East Cumberland Street Dunn, NC 28334 Full Service B&M $23,295
    The Fidelity Bank 1002 South Horner Boulevard Sanford, NC 27330 Full Service B&M $27,330
    The Fidelity Bank 10217 Chapel Hill Road Morrisville, NC 27560 Full Service B&M $24,147
    The Fidelity Bank 103 South Henry Street Stoneville, NC 27048 Full Service B&M $20,459
    The Fidelity Bank 1035 Randolph Street Thomasville, NC 27360 Full Service B&M $33,494
    The Fidelity Bank 105 West Gordon Street Roxboro, NC 27573 Full Service B&M $29,241
    The Fidelity Bank 106 E Taft Avenue Asheboro, NC 27203 Full Service B&M $8,254
    The Fidelity Bank 11175 Us 15-501 Hwy Aberdeen, NC 28315 Full Service B&M $31,517
    The Fidelity Bank 112 South 401 By-Pass Raeford, NC 28376 Full Service B&M $23,679
    The Fidelity Bank 114 West Second Avenue Lexington, NC 27292 Full Service B&M $33,822
    The Fidelity Bank 315 Albemarle Road Troy, NC 27371 Full Service B&M $47,107
    The Fidelity Bank 12201 Capital Boulevard Wake Forest, NC 27587 Full Service B&M $35,425
    The Fidelity Bank 1296 South Fifth Street Mebane, NC 27302 Full Service B&M $26,485
    The Fidelity Bank 130 East Salisbury Street Robbins, NC 27325 Full Service B&M $54,896
    The Fidelity Bank 1304 North Main Street Fuquay-Varina, NC 27526 Full Service B&M $28,346
    The Fidelity Bank 1426 East 11th Street Siler City, NC 27344 Full Service B&M $46,003
    The Fidelity Bank 163 South Main Street Kernersville, NC 27284 Full Service B&M $72,791
    The Fidelity Bank 186 Williamson Road Mooresville, NC 28117 Full Service B&M $22,556
    The Fidelity Bank 20 Pine State Street Lillington, NC 27546 Full Service B&M $41,497
    The Fidelity Bank 202 Court Square Yanceyville, NC 27379 Full Service B&M $40,005
    The Fidelity Bank 207 North Main Street Mount Gilead, NC 27306 Full Service B&M $25,389
    The Fidelity Bank 2085 Statesville Boulevard Salisbury, NC 28147 Full Service B&M $30,564
    The Fidelity Bank 225 North Main Street Candor, NC 27229 Full Service B&M $22,371
    The Fidelity Bank 231 East Church Street Martinsville, VA 24112 Full Service B&M $33,508
    The Fidelity Bank 231 South White Street Wake Forest, NC 27587 Full Service B&M $63,081
    The Fidelity Bank 237 East Main Street Gibsonville, NC 27249 Full Service B&M $32,300
    The Fidelity Bank 2416 Southwest Cary Parkway Cary, NC 27513 Full Service B&M $31,131
    The Fidelity Bank 2441 South Church Street Burlington, NC 27215 Full Service B&M $56,529
    The Fidelity Bank 2501 Battleground Avenue Greensboro, NC 27420 Full Service B&M $48,607
    The Fidelity Bank 2538 East Lyon Station Road Creedmoor, NC 27522 Full Service B&M $20,693
    The Fidelity Bank 2561 Lewisville-Clemmons Road Clemmons, NC 27012 Full Service B&M $31,096
    The Fidelity Bank 258 West Swannanoa Avenue Liberty, NC 27298 Full Service B&M $54,210
    The Fidelity Bank 2819 Jones Franklin Road Raleigh, NC 27606 Full Service B&M $43,921
    The Fidelity Bank 2911 Village Drive Fayetteville, NC 28304 Full Service B&M $40,987
    The Fidelity Bank 2933 Union Road Gastonia, NC 28054 Full Service B&M $43,536
    The Fidelity Bank 3016 Shannon Road Durham, NC 27707 Full Service B&M $53,726
    The Fidelity Bank 3300 Virginia Avenue Collinsville, VA 24078 Full Service B&M $31,603
    The Fidelity Bank 3306 Healy Drive Winston Salem, NC 27103 Full Service B&M $35,106
    The Fidelity Bank 331 South Lafayette Street Shelby, NC 28150 Full Service B&M $116,269
    The Fidelity Bank 520 N. Main Street Biscoe, NC 27209 Full Service B&M $72,099
    The Fidelity Bank 5220 Falls Of Neuse Road Raleigh, NC 27609 Full Service B&M $57,529
    The Fidelity Bank 532 East Broad Avenue Rockingham, NC 28379 Full Service B&M $73,947
    The Fidelity Bank 5700 Creedmoor Rd Raleigh, NC 27612 Full Service B&M $59,837
    The Fidelity Bank 600 Oberlin Road Raleigh, NC 27605 Full Service B&M $65,655
    The Fidelity Bank 610 Cox Road Gastonia, NC 28054 Full Service B&M $44,716
    The Fidelity Bank 6856 Jordan Road Ramseur, NC 27316 Full Service B&M $52,077
    The Fidelity Bank 7000 Gb Alford Highway Holly Springs, NC 27540 Full Service B&M $45,825
    The Fidelity Bank 712 Martin Luther King Jr. Avenue Oxford, NC 27565 Full Service B&M $54,302
    The Fidelity Bank 804 East Williams Street Apex, NC 27502 Full Service B&M $26,891
    The Fidelity Bank 8110 U.S. Highway 158 Stokesdale, NC 27357 Full Service B&M $28,365
    The Fidelity Bank 919 Us Highway 70 W Garner, NC 27529 Full Service B&M $62,055

    For 2020, The Fidelity Bank had 54 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $81,539
    Net interest income $79,633
    Total noninterest income $27,162
    Gross Fiduciary activities income $1,205
    Service charges on deposit accounts $4,613
    Trading account gains and fees $0
    Additional Noninterest Income $21,344
    Pre-tax net operating income $40,665
    Securities gains (or losses, -) $0
    Income before extraordinary items $32,003
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $32,003
    Minority interest net income $0
    Net income $32,003
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $32,003

    The Fidelity Bank's gross interest income from loans was $81,539,000.
    The Fidelity Bank's net interest income from loans was $79,633,000.
    The Fidelity Bank's fee based income from loans was $4,613,000.
    The Fidelity Bank's net income from loans was $32,003,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,906
    Provision for credit losses $4,140
    Total noninterest expense $61,990
    Salaries and employee benefits $40,068
    Premises and equipment expense $7,458
    Additional noninterest expense $14,464
    Applicable income taxes $8,662
    Net charge-offs $-40
    Cash dividends $14,631

    The Fidelity Bank's interest expense for loans was $1,906,000.
    The Fidelity Bank's payroll and benefits expense were $40,068,000.
    The Fidelity Bank's property, plant and equipment expenses $7,458,000.

    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 $2,553,430
    Deposits held in domestic offices $2,553,430
    Deposits by Individuals, partnerships, and corporations $2,483,144
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $70,154
    Deposits by Commercial banks and other depository institutions in U.S. $132
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $282,072
    Demand deposits $193,086
    Nontransaction accounts $2,271,358
    Money market deposit accounts (MMDAs) $630,456
    Other savings deposits (excluding MMDAs) $1,485,590
    Total time deposits $155,312
    Total time and savings deposits $2,360,344
    Noninterest-bearing deposits $1,137,335
    Interest-bearing deposits $1,416,095
    Retail deposits $2,532,761
    IRAs and Keogh plan accounts $45,741
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,830,716
    Cash & Balances due from depository institutions $581,657
    Interest-bearing balances $539,191
    Total securities $599,176
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,564,297
    Loan and leases loss allowance $22,010
    Trading account assets $0
    Bank premises and fixed assets $47,895
    Other real estate owned $0
    Goodwill and other intangibles $19,688
    All other assets $18,003

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,830,716
    Total Liabilities $2,567,022
    Total deposits $2,553,430
    Interest-bearing deposits $1,416,095
    Deposits held in domestic offices $2,553,430
    % insured (estimated) $70
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $13,592

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,564,297
    Loan and leases loss allowance $22,010
    Total loans and leases (domestic) $1,586,307
    All real estate loans $1,310,556
    Real estate loans in domestic offices $1,310,556
    Construction and development loans $185,219
    Residential 1-4 family construction $67,745
    Other construction, all land development and other land $117,474
    Loans secured by nonfarm nonresidential properties $855,067
    Nonfarm nonresidential secured by owner-occupied properties $536,700
    Commercial real estate & other non-farm, non-residential $318,367
    Multifamily residential real estate $44,249
    1-4 family residential loans $194,141
    Farmland loans $31,880
    Loans held in foreign offices $0
    Farm loans $3,150
    Commercial and industrial loans $261,239
    To non-U.S. addressees $0
    Loans to individuals $11,128
    Credit card loans $5,931
    Related Plans $762
    Consumer Auto Loans $881
    Other loans to individuals $3,554
    All other loans & leases $234
    Loans to foreign governments and official institutions $0
    Other loans $234
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $97
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $15,685
    Non 1-4 family restructured loans & leases $13,800
    Total loans and leases (foreign) $0

    The Fidelity Bank had $1,564,297,000 of loans outstanding in 2020. $1,310,556,000 of loans were in real estate loans. $185,219,000 of loans were in development loans. $44,249,000 of loans were in multifamily mortgage loans. $194,141,000 of loans were in 1-4 family mortgage loans. $3,150,000 of loans were in farm loans. $5,931,000 of loans were in credit card loans. $881,000 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 1,439 $335,223 $232,956
    Nonfarm, nonresidential loans - <$100k 230 $8,853 $38,491
    Nonfarm, nonresidential loans - $100-250k 442 $49,965 $113,043
    Nonfarm, nonresidential loans - $250k-1MM 767 $276,405 $360,372
    Commercial & Industrial, US addressed loans - <$1MM 3,155 $177,606 $56,294
    Commercial & Industrial, US addressed loans - <$100k 2,427 $54,222 $22,341
    Commercial & Industrial, US addressed loans - $100-250k 478 $52,383 $109,588
    Commercial & Industrial, US addressed loans - $250k-1MM 250 $71,001 $284,004
    Farmland loans - <$1MM 97 $8,931 $92,072
    Farmland loans - <$100k 41 $1,319 $32,171
    Farmland loans - $100-250k 34 $4,100 $120,588
    Farmland loans - $250k-1MM 22 $3,512 $159,636
    Agriculture operations loans - <$1MM 12 $667 $55,583
    Agriculture operations loans - <$100k 8 $137 $17,125
    Agriculture operations loans - $100-250k 3 $241 $80,333
    Agriculture operations loans - $250k-1MM 1 $289 $289,000