Fidelity Bank Mortgage Rates, Fees & Info

Wichita, KS

LEI: 549300L9MOPDT0NKE883

Tax ID: 48-0630879

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

Jump to:

Mortgage Data

Bank Data

Review & Overview

Fidelity Bank is a smaller bank specializing in Home Purchase loans. Fidelity Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Wichita, Kansas City, Oklahoma City, Dallas, and Houston among others. We have data for 59 markets. (Some data included below & more in-depth data is available with an active subscription.)

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. 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) 6.27% 11/22/24
30 Year Conventional Purchase 6.61% 11/22/24
30 Year Conventional Refi 6.47% 11/22/24
30 Year Cash-out Refi 6.59% 11/22/24
30 Year FHA Purchase 7.41% 11/22/24
30 Year FHA Refi 6.92% 11/22/24
30 Year VA Purchase 6.31% 11/22/24
30 Year VA Refi 6.27% 11/22/24
30 Year USDA Purchase 6.75% 11/22/24
15 Year Conventional Purchase 6.11% 11/22/24
15 Year Conventional Refi 6.03% 11/22/24
15 Year Cash-out Refi 6.03% 11/22/24
15 Year FHA Purchase 5.68% 11/22/24
15 Year FHA Refi 5.68% 11/22/24
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.

Fidelity Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from 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

1,338

Origination Dollar Volume (All Markets)

$311,730,000

Employee count

450 Show all (7) 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
WICHITA, KS (FHA|USDA|VA) 848 $144,540,000 $170,448 $3,488 4.60%
KANSAS CITY, MO-KS (FHA|USDA|VA) 222 $53,910,000 $242,838 $3,279 4.52%
OKLAHOMA CITY, OK (FHA|USDA|VA) 148 $43,670,000 $295,068 $3,506 5.11%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $13,265,000 $2,653,000 $4,513 4.58%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $10,340,000 $5,170,000 $818 5.21%
BATON ROUGE, LA (FHA|USDA|VA) 2 $10,000,000 $5,000,000 $4,915 3.93%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $9,325,000 $3,108,333 $3,341 4.31%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 8 $7,040,000 $880,000 $3,461 4.71%
Outside of Metro Areas 21 $3,725,000 $177,381 $3,082 4.75%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 3 $1,825,000 $608,333 $5,539 4.71%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $970,000 $485,000 $4,216 4.48%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $830,000 $415,000 $3,340 4.38%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $715,000 $715,000 $3,455 4.38%
MANHATTAN, KS (FHA|USDA|VA) 2 $650,000 $325,000 $2,718 4.63%
Hutchinson, KS (FHA|USDA|VA) 3 $645,000 $215,000 $4,701 4.58%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $635,000 $211,667 $3,169 4.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 6 $620,000 $103,333 $2,586 4.70%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $610,000 $305,000 $3,328 4.88%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $530,000 $265,000 $3,696 4.69%
TULSA, OK (FHA|USDA|VA) 3 $445,000 $148,333 $2,699 6.32%
Winfield, KS (FHA|USDA|VA) 4 $420,000 $105,000 $4,140 4.81%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $410,000 $205,000 $4,646 4.81%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $400,000 $200,000 $2,797 4.44%
LAWRENCE, KS (FHA|USDA|VA) 2 $370,000 $185,000 $2,431 4.75%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $365,000 $365,000 $3,316 4.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $360,000 $180,000 $4,096 4.69%
ENID, OK (FHA|USDA|VA) 2 $350,000 $175,000 $2,400 5.25%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $345,000 $345,000 $4,213 4.63%
BEND, OR (FHA|USDA|VA) 1 $335,000 $335,000 $3,986 4.50%
Shawnee, OK (FHA|USDA|VA) 2 $320,000 $160,000 $4,375 5.25%
Ottawa, KS (FHA|USDA|VA) 2 $270,000 $135,000 $3,577 4.75%
TOPEKA, KS (FHA|USDA|VA) 2 $240,000 $120,000 $1,963 4.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.63%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $225,000 $225,000 $2,836 5.00%
LAWTON, OK (FHA|USDA|VA) 1 $225,000 $225,000 $7,610 4.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $215,000 $215,000 $6,685 3.75%
Huntingdon, PA (FHA|USDA|VA) 1 $205,000 $205,000 $3,772 4.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,492 4.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,355 4.63%
Bardstown, KY (FHA|USDA|VA) 1 $145,000 $145,000 $2,692 4.75%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $145,000 $145,000 $2,629 4.63%
LIMA, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,860 4.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,425 4.13%
Emporia, KS (FHA|USDA|VA) 1 $145,000 $145,000 $2,025 4.63%
Ottawa, IL (FHA|USDA|VA) 1 $145,000 $145,000 $900 5.63%
EspaƱola, NM (FHA|USDA|VA) 1 $125,000 $125,000 $3,928 4.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,740 4.75%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.88%
Ada, OK (FHA|USDA|VA) 1 $85,000 $85,000 $2,443 4.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $85,000 $85,000 $2,486 4.50%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $75,000 $75,000 $3,973 4.25%
Wilmington, OH (FHA|USDA|VA) 1 $75,000 $75,000 $2,575 4.25%
Meridian, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.25%
PITTSBURGH, PA (FHA|USDA|VA) 1 $55,000 $55,000 $3,474 3.88%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.25%
CHARLESTON, WV (FHA|USDA|VA) 1 $55,000 $55,000 $2,660 4.13%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.25%
MONROE, LA (FHA|USDA|VA) 1 $35,000 $35,000 $0 6.25%
VICTORIA, TX (FHA|USDA|VA) 1 $25,000 $25,000 $0 6.25%
Fidelity Bank's top markets include Wichita, Kansas City, Oklahoma City, Dallas, and Houston among others.

Their top states include:
  • Kansas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Louisiana (FHA|USDA|VA)
  • Similar Lenders

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

    N C P D Federal Credit Union
    Similarity Rank: 55
    Bogota Savings Bank
    Similarity Rank: 63
    The Halstead Bank
    Similarity Rank: 64
    Union County Savings Bank
    Similarity Rank: 66
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 68
    KCB Bank
    Similarity Rank: 108
    Community Bank of Trenton
    Similarity Rank: 108

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 971 $253,005,000 $260,561 $2,726 4.71%
    FHA 252 $37,180,000 $147,540 $5,160 4.53%
    VA 91 $17,895,000 $196,648 $5,091 4.40%
    USDA 16 $1,900,000 $118,750 $3,674 4.45%
    HELOC 8 $1,750,000 $218,750 n/a 5.85%

    For 2018, Fidelity Bank's most frequently originated type of loan was Conventional, with 971 originations. Their 2nd most popular type was FHA, with 252 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,087 $238,575,000 $219,480 $3,589 4.60%
    Cash Out Refi 116 $21,490,000 $185,259 $2,922 4.53%
    Refi 100 $47,290,000 $472,900 $2,626 5.00%
    Other 23 $3,375,000 $146,739 $2,666 5.35%
    Home Improvement 11 $815,000 $74,091 $695 7.30%
    NA 1 $185,000 $185,000 $0 5.20%

    For 2018, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 1,087 originations. The 2nd most popular reason was Cash Out Refi, with 116 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,089 $207,965,000 $190,969 $3,588 4.55%
    15 Year 121 $25,745,000 $212,769 $2,647 4.57%
    20 Year 73 $11,435,000 $156,644 $2,180 5.65%
    Other 26 $47,630,000 $1,831,923 $3,811 5.34%
    10 Year 20 $10,940,000 $547,000 $876 6.03%
    5 Year 6 $2,000,000 $333,333 $477 5.81%
    1 Year 2 $390,000 $195,000 $0 5.85%
    3 Year 1 $5,625,000 $5,625,000 $0 5.90%

    For 2018, Fidelity Bank's most frequently cited loan duration was 30 Year, with 1,089 originations. The 2nd most popular length was 15 Year, with 121 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 969 $195,805,000 $202,069
    $1k-2k 155 $22,095,000 $142,548
    $2k-3k 22 $3,890,000 $176,818
    $3k-4k 6 $1,040,000 $173,333
    $4k-5k 3 $805,000 $268,333
    $5k+ 1 $485,000 $485,000

    Fidelity Bank's average total fees were $3,588, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 969 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 945 $207,855,000 $219,952
    3-4% 180 $52,350,000 $290,833
    5-6% 171 $48,485,000 $283,538
    6-7% 24 $1,570,000 $65,417
    Over 8% 12 $660,000 $55,000
    7-8% 6 $810,000 $135,000

    During 2018, Fidelity Bank's average interest rate for loans was 4.55%, while their most frequently originated rate bucket for loans was 4-5%, with 945 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 577 $84,545,000 $146,525 $3,486 4.60%
    $200k-400k 400 $107,100,000 $267,750 $3,713 4.48%
    $100,000 or less 284 $19,100,000 $67,254 $2,699 5.08%
    $400k-600k 49 $22,775,000 $464,796 $3,637 4.34%
    $1MM+ 16 $69,940,000 $4,371,250 $5,582 5.14%
    $600k-1MM 12 $8,270,000 $689,167 $4,583 4.26%

    2018 saw Fidelity Bank place emphasis on $100k-200k loans with 577 originations, totaling $84,545,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 330 $48,170,000 $145,970 $3,551 4.63%
    $50k or less 268 $27,480,000 $102,537 $3,302 4.59%
    $100k-150k 244 $58,080,000 $238,033 $3,614 4.57%
    $75k-100k 204 $37,820,000 $185,392 $3,369 4.61%
    $150k-250k 139 $38,605,000 $277,734 $3,249 4.61%
    $250k+ 71 $21,945,000 $309,085 $3,379 4.89%

    Fidelity Bank lent most frequently to those with incomes in the $50k-75k range, with 330 originations. The second most popular income band? $50k or less, with 268 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 308 $57,390,000 $186,331 $3,186 4.62%
    30-36% 253 $46,785,000 $184,921 $3,397 4.62%
    <20% 107 $20,075,000 $187,617 $3,085 4.55%
    39% 54 $9,860,000 $182,593 $3,222 4.76%
    41% 53 $8,495,000 $160,283 $3,382 4.56%
    50-60% 47 $8,575,000 $182,447 $4,987 4.45%
    43% 47 $9,945,000 $211,596 $4,193 4.55%
    38% 45 $8,645,000 $192,111 $3,682 4.68%
    42% 44 $8,150,000 $185,227 $3,799 4.64%
    40% 44 $8,050,000 $182,955 $3,405 4.48%
    36% 42 $7,280,000 $173,333 $3,419 4.89%
    37% 38 $7,790,000 $205,000 $2,999 4.62%
    44% 37 $7,175,000 $193,919 $3,505 4.51%
    45% 31 $5,575,000 $179,839 $3,466 4.56%
    47% 31 $6,725,000 $216,935 $3,886 4.43%
    48% 29 $4,705,000 $162,241 $3,975 4.56%
    46% 28 $4,830,000 $172,500 $3,385 4.55%
    49% 20 $3,780,000 $189,000 $3,103 4.49%

    Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 308 originations. The next most common DTI ratio? 30-36%, with 253 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,132 $207,050,000 $182,906 $3,481 4.62%
    Not applicable 64 $75,720,000 $1,183,125 $0 5.50%
    Asian 46 $10,410,000 $226,304 $2,796 4.47%
    Not provided 47 $9,915,000 $210,957 $3,044 4.67%
    Black 36 $6,490,000 $180,278 $3,732 4.66%
    American Indian 10 $1,510,000 $151,000 $3,020 4.61%
    Native Hawaiian or Islander 1 $275,000 $275,000 $2,775 4.63%
    Asian Indian 1 $235,000 $235,000 $2,034 4.63%
    Other Asian 1 $125,000 $125,000 $2,078 5.00%

    Approval Rates

    Total approvals of all applications
    98.43%

    Fidelity Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    88.57%

    Fidelity Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    2050.0 1 $45,000 $45,000
    799.0 7 $365,000 $52,143
    NA 1,330 $311,320,000 $234,075

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 24 $70,770,000 $2,948,750
    Single Family (1-4 Units):Manufactured 28 $2,680,000 $95,714
    Single Family (1-4 Units):Site-Built 1,286 $238,280,000 $185,288

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 25 $2,825,000 $113,000 $2,024 5.75%
    40-60% 90 $37,270,000 $414,111 $2,584 4.73%
    60-80% 388 $115,420,000 $297,474 $2,779 4.70%
    80-100% 793 $149,905,000 $189,035 $3,719 4.54%
    Over 100% 21 $4,865,000 $231,667 $8,258 4.49%
    Under 20% 18 $860,000 $47,778 $724 7.58%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Fidelity Direct Mortgage, LLC Conventional home mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fidelity Bank 100 East English Street Wichita, KS 67202 Full Service B&M $780,636
    Fidelity Bank 1020 Nw 150th St Edmond, OK 73013 Full Service B&M $60,215
    Fidelity Bank 1127 East 2nd St Edmond, OK 73034 Full Service B&M $21,144
    Fidelity Bank 12715 East Central Wichita, KS 67206 Full Service B&M $54,012
    Fidelity Bank 1306 North Woodlawn St Wichita, KS 67208 Full Service B&M $42,304
    Fidelity Bank 14435 Metcalf Avenue Overland Park, KS 66223 Full Service B&M $78,452
    Fidelity Bank 2111 North Bradley Fair Pkwy Wichita, KS 67206 Full Service B&M $57,235
    Fidelity Bank 2225 West Hefner Rd Oklahoma City, OK 73120 Full Service B&M $88,086
    Fidelity Bank 2251 North Maize Road Wichita, KS 67205 Full Service B&M $96,135
    Fidelity Bank 2265 North Amidon Ave Wichita, KS 67204 Full Service B&M $65,796
    Fidelity Bank 2542 North Rock Rd Derby, KS 67037 Full Service B&M $44,154
    Fidelity Bank 3128 South Seneca St Wichita, KS 67217 Full Service B&M $53,941
    Fidelity Bank 320 Sw 19th Street Moore, OK 73160 Full Service B&M $7,579
    Fidelity Bank 3525 E. Harry St Wichita, KS 67218 Full Service B&M $31,377
    Fidelity Bank 3641 North Woodlawn Wichita, KS 67220 Full Service B&M $54,089
    Fidelity Bank 4035 Nw Expressway Oklahoma City, OK 73116 Full Service B&M $16,192
    Fidelity Bank 6901 West Hefner Rd Oklahoma City, OK 73162 Full Service B&M $30,811
    Fidelity Bank 7711 East Harry St Wichita, KS 67207 Full Service B&M $42,527
    Fidelity Bank 8442 West 13th Street N Wichita, KS 67212 Full Service B&M $59,103
    Fidelity Bank 9300 West Central Ave Wichita, KS 67212 Full Service B&M $75,266
    Fidelity Bank 9400 North Broadway Extension Oklahoma City, OK 73114 Full Service B&M $8,913

    For 2018, Fidelity Bank had 21 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $96,814
    Net interest income $72,369
    Total noninterest income $24,169
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,126
    Trading account gains and fees $0
    Additional Noninterest Income $21,043
    Pre-tax net operating income $26,160
    Securities gains (or losses, -) $-93
    Income before extraordinary items $20,440
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $20,440
    Minority interest net income $0
    Net income $20,440
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $20,513

    Fidelity Bank's gross interest income from loans was $96,814,000.
    Fidelity Bank's net interest income from loans was $72,369,000.
    Fidelity Bank's fee based income from loans was $3,126,000.
    Fidelity Bank's net income from loans was $20,440,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $24,445
    Provision for credit losses $-1,975
    Total noninterest expense $72,353
    Salaries and employee benefits $36,018
    Premises and equipment expense $14,909
    Additional noninterest expense $21,426
    Applicable income taxes $5,627
    Net charge-offs $247
    Cash dividends $12,000

    Fidelity Bank's interest expense for loans was $24,445,000.
    Fidelity Bank's payroll and benefits expense were $36,018,000.
    Fidelity Bank's property, plant and equipment expenses $14,909,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,877,556
    Deposits held in domestic offices $1,877,556
    Deposits by Individuals, partnerships, and corporations $1,607,693
    Deposits by U.S. Government $14
    Deposits by States and political subdivisions in the U.S. $269,601
    Deposits by Commercial banks and other depository institutions in U.S. $248
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $112,601
    Demand deposits $70,571
    Nontransaction accounts $1,764,955
    Money market deposit accounts (MMDAs) $1,126,830
    Other savings deposits (excluding MMDAs) $117,058
    Total time deposits $521,066
    Total time and savings deposits $1,806,985
    Noninterest-bearing deposits $266,674
    Interest-bearing deposits $1,610,882
    Retail deposits $1,717,511
    IRAs and Keogh plan accounts $40,175
    Brokered deposits $214,653
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,269,890
    Cash & Balances due from depository institutions $41,666
    Interest-bearing balances $12,191
    Total securities $269,526
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,762,750
    Loan and leases loss allowance $17,507
    Trading account assets $0
    Bank premises and fixed assets $61,068
    Other real estate owned $1,666
    Goodwill and other intangibles $45,194
    All other assets $88,020

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,269,890
    Total Liabilities $2,030,460
    Total deposits $1,877,556
    Interest-bearing deposits $1,610,882
    Deposits held in domestic offices $1,877,556
    % insured (estimated) $61
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $136,584
    Subordinated debt $0
    All other liabilities $16,320

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,762,750
    Loan and leases loss allowance $17,507
    Total loans and leases (domestic) $1,780,257
    All real estate loans $1,467,355
    Real estate loans in domestic offices $1,467,355
    Construction and development loans $140,733
    Residential 1-4 family construction $61,370
    Other construction, all land development and other land $79,363
    Loans secured by nonfarm nonresidential properties $688,399
    Nonfarm nonresidential secured by owner-occupied properties $183,228
    Commercial real estate & other non-farm, non-residential $505,171
    Multifamily residential real estate $131,723
    1-4 family residential loans $505,964
    Farmland loans $536
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $211,549
    To non-U.S. addressees $0
    Loans to individuals $95,419
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $8,522
    Other loans to individuals $86,897
    All other loans & leases $5,935
    Loans to foreign governments and official institutions $0
    Other loans $5,935
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $33,744
    Non 1-4 family restructured loans & leases $5,741
    Total loans and leases (foreign) $0

    Fidelity Bank had $1,762,750,000 of loans outstanding in 2018. $1,467,355,000 of loans were in real estate loans. $140,733,000 of loans were in development loans. $131,723,000 of loans were in multifamily mortgage loans. $505,964,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $8,522,000 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 175 $68,270 $390,114
    Nonfarm, nonresidential loans - <$100k 12 $474 $39,500
    Nonfarm, nonresidential loans - $100-250k 31 $3,959 $127,710
    Nonfarm, nonresidential loans - $250k-1MM 132 $63,837 $483,614
    Commercial & Industrial, US addressed loans - <$1MM 204 $27,582 $135,206
    Commercial & Industrial, US addressed loans - <$100k 80 $2,204 $27,550
    Commercial & Industrial, US addressed loans - $100-250k 50 $4,442 $88,840
    Commercial & Industrial, US addressed loans - $250k-1MM 74 $20,936 $282,919