Fidelity Bank Mortgage Rates, Fees & Info
Wichita, KSLEI: 549300L9MOPDT0NKE883
Tax ID: 48-0630879
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Bank Data
Review & Overview
Fidelity Bank is a smaller bank specializing in Home Purchase and Cash Out Refi 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, Odessa, and Murray among others. We have data for 88 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 an above 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 12/3/24 |
| 30 Year Conventional Purchase | 6.61% | 12/3/24 |
| 30 Year Conventional Refi | 6.47% | 12/3/24 |
| 30 Year Cash-out Refi | 6.59% | 12/3/24 |
| 30 Year FHA Purchase | 7.41% | 12/3/24 |
| 30 Year FHA Refi | 6.92% | 12/3/24 |
| 30 Year VA Purchase | 6.31% | 12/3/24 |
| 30 Year VA Refi | 6.27% | 12/3/24 |
| 30 Year USDA Purchase | 6.75% | 12/3/24 |
| 15 Year Conventional Purchase | 6.11% | 12/3/24 |
| 15 Year Conventional Refi | 6.03% | 12/3/24 |
| 15 Year Cash-out Refi | 6.03% | 12/3/24 |
| 15 Year FHA Purchase | 5.68% | 12/3/24 |
| 15 Year FHA Refi | 5.68% | 12/3/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,619Origination Dollar Volume (All Markets)
$416,575,000Employee count
482Awards
Fidelity Bank - 2019
Fidelity Bank is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 845 | $158,545,000 | $187,627 | $3,393 | 4.05% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 375 | $102,355,000 | $272,947 | $2,941 | 4.00% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 179 | $74,335,000 | $415,279 | $3,623 | 4.37% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $13,790,000 | $6,895,000 | $0 | 4.12% |
| Murray, KY (FHA|USDA|VA) | 1 | $6,055,000 | $6,055,000 | $0 | 3.95% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $5,305,000 | $5,305,000 | $0 | 5.35% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $4,805,000 | $4,805,000 | $0 | 4.12% |
| Outside of Metro Areas | 29 | $4,785,000 | $165,000 | $3,401 | 3.86% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 26 | $3,780,000 | $145,385 | $2,480 | 4.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $3,255,000 | $3,255,000 | $0 | 4.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $2,635,000 | $2,635,000 | $0 | 4.32% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $4,611 | 3.96% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 6 | $1,890,000 | $315,000 | $3,789 | 3.94% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 7 | $1,725,000 | $246,429 | $2,973 | 3.68% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $2,676 | 3.96% |
| LAWRENCE, KS (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $4,768 | 4.06% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $2,615 | 4.56% |
| SANTA FE, NM (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $4,811 | 4.15% |
| TOPEKA, KS (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $2,753 | 4.35% |
| Winfield, KS (FHA|USDA|VA) | 10 | $1,020,000 | $102,000 | $3,592 | 4.09% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $3,832 | 3.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,710 | 4.19% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $2,964 | 5.04% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $3,951 | 4.25% |
| Los Alamos, NM (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,556 | 3.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $3,478 | 4.71% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,810 | 5.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $5,066 | 4.25% |
| TULSA, OK (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,424 | 5.09% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $6,355 | 4.38% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,308 | 3.75% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $4,705 | 3.88% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,983 | 4.00% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $5,003 | 3.67% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,309 | 4.31% |
| DULUTH, MN-WI (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $2,772 | 3.96% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,233 | 3.63% |
| Hutchinson, KS (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,130 | 3.58% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $5,966 | 4.13% |
| Durango, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,014 | 3.75% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,477 | 4.25% |
| Española, NM (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $3,031 | 4.31% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,323 | 4.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 5.10% |
| Salina, KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,060 | 3.88% |
| BEND, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,197 | 3.38% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,453 | 4.38% |
| Meridian, MS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,460 | 3.25% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,299 | 4.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,599 | 3.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,259 | 5.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,232 | 3.38% |
| Emporia, KS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,024 | 3.75% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,999 | 4.25% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,574 | 3.38% |
| CHICO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,369 | 3.88% |
| Great Bend, KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,273 | 3.63% |
| McPherson, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,579 | 3.63% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,285 | 3.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,957 | 3.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,467 | 3.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,739 | 3.81% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,593 | 4.56% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,259 | 3.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,267 | 3.88% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,326 | 4.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,255 | 3.63% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,045 | 4.75% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,384 | 4.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,687 | 4.50% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,047 | 3.88% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,710 | 3.75% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,520 | 3.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,352 | 3.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,635 | 3.50% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,104 | 4.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,355 | 4.50% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,705 | 3.88% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.85% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.00% |
| Coffeyville, KS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,088 | 3.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,522 | 3.75% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,794 | 5.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,390 | 3.50% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,314 | 3.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,670 | 4.13% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,208 | 4.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $240 | 5.37% |
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Product Mix
For 2019, Fidelity Bank's most frequently originated type of loan was Conventional, with 1,310 originations. Their 2nd most popular type was FHA, with 190 originations.
Loan Reason
For 2019, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 1,138 originations. The 2nd most popular reason was Cash Out Refi, with 391 originations.
Loan Duration/Length
For 2019, Fidelity Bank's most frequently cited loan duration was 30 Year, with 1,287 originations. The 2nd most popular length was 15 Year, with 189 originations.
Origination Fees/Closing Costs
Fidelity Bank's average total fees were $3,437, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,254 originations.
Interest Rates
During 2019, Fidelity Bank's average interest rate for loans was 4.04%, while their most frequently originated rate bucket for loans was 3-4%, with 907 originations.
Loan Sizing
2019 saw Fidelity Bank place emphasis on $100k-200k loans with 661 originations, totaling $98,805,000 in origination value.
Applicant Income
Fidelity Bank lent most frequently to those with incomes in the $100k-150k range, with 369 originations. The second most popular income band? $50k-75k, with 352 originations.
Applicant Debt to Income Ratio
Fidelity Bank lent most frequently to those with DTI ratios of 20-30%, with 415 originations. The next most common DTI ratio? 30-36%, with 304 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.43%
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 origination91.23%
Fidelity Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,619 | $416,575,000 | $257,304 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Fidelity National Financial, Inc | Reverse mortgage | Trouble during payment process | 1 | 11.1% |
| Fidelity National Financial, Inc | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 11.1% |
| Fidelity National Financial, Inc | Conventional home mortgage | Closing on a mortgage | 2 | 22.2% |
| Fidelity National Financial, Inc | Conventional home mortgage | Trouble during payment process | 1 | 11.1% |
| Fidelity National Financial, Inc | Other type of mortgage | Closing on a mortgage | 2 | 22.2% |
| Fidelity National Financial, Inc | Other type of mortgage | Struggling to pay mortgage | 1 | 11.1% |
| Fidelity National Financial, Inc | Other type of mortgage | Trouble during payment process | 1 | 11.1% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Fidelity Bank | 1306 North Woodlawn St Wichita, KS 67208 | Full Service B&M | $41,607 |
| Fidelity Bank | 100 East English Street Wichita, KS 67202 | Full Service B&M | $980,887 |
| Fidelity Bank | 1020 Nw 150th St Edmond, OK 73013 | Full Service B&M | $39,194 |
| Fidelity Bank | 1127 East 2nd St Edmond, OK 73034 | Full Service B&M | $16,933 |
| Fidelity Bank | 12715 East Central Wichita, KS 67206 | Full Service B&M | $56,350 |
| Fidelity Bank | 14435 Metcalf Avenue Overland Park, KS 66223 | Full Service B&M | $72,359 |
| Fidelity Bank | 2111 North Bradley Fair Pkwy Wichita, KS 67206 | Full Service B&M | $58,530 |
| Fidelity Bank | 2225 West Hefner Rd Oklahoma City, OK 73120 | Full Service B&M | $64,743 |
| Fidelity Bank | 2251 North Maize Road Wichita, KS 67205 | Full Service B&M | $96,005 |
| Fidelity Bank | 2265 North Amidon Ave Wichita, KS 67204 | Full Service B&M | $67,667 |
| Fidelity Bank | 2542 North Rock Rd Derby, KS 67037 | Full Service B&M | $44,815 |
| Fidelity Bank | 3128 South Seneca St Wichita, KS 67217 | Full Service B&M | $54,423 |
| Fidelity Bank | 3525 E. Harry St Wichita, KS 67218 | Full Service B&M | $35,039 |
| Fidelity Bank | 3641 North Woodlawn Wichita, KS 67220 | Full Service B&M | $51,052 |
| Fidelity Bank | 4035 Nw Expressway Oklahoma City, OK 73116 | Full Service B&M | $13,391 |
| Fidelity Bank | 6901 West Hefner Rd Oklahoma City, OK 73162 | Full Service B&M | $31,137 |
| Fidelity Bank | 7711 East Harry St Wichita, KS 67207 | Full Service B&M | $38,516 |
| Fidelity Bank | 8442 West 13th Street N Wichita, KS 67212 | Full Service B&M | $59,870 |
| Fidelity Bank | 9300 West Central Ave Wichita, KS 67212 | Full Service B&M | $70,020 |
| Fidelity Bank | 9400 North Broadway Extension Oklahoma City, OK 73114 | Full Service B&M | $47,216 |
For 2019, Fidelity Bank had 20 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $103,084 |
| Net interest income | $71,846 |
| Total noninterest income | $24,198 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $2,784 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $21,414 |
| Pre-tax net operating income | $22,752 |
| Securities gains (or losses, -) | $431 |
| Income before extraordinary items | $17,742 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $17,742 |
| Minority interest net income | $0 |
| Net income | $17,742 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $17,401 |
Fidelity Bank's gross interest income from loans was $103,084,000.
Fidelity Bank's net interest income from loans was $71,846,000.
Fidelity Bank's fee based income from loans was $2,784,000.
Fidelity Bank's net income from loans was $17,742,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $31,238 |
| Provision for credit losses | $2,794 |
| Total noninterest expense | $70,498 |
| Salaries and employee benefits | $37,576 |
| Premises and equipment expense | $15,920 |
| Additional noninterest expense | $17,002 |
| Applicable income taxes | $5,441 |
| Net charge-offs | $1,096 |
| Cash dividends | $13,000 |
Fidelity Bank's interest expense for loans was $31,238,000.
Fidelity Bank's payroll and benefits expense were $37,576,000.
Fidelity Bank's property, plant and equipment expenses $15,920,000.
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 | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $2,095,606 |
| Deposits held in domestic offices | $2,095,606 |
| Deposits by Individuals, partnerships, and corporations | $1,766,329 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $329,277 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $153,382 |
| Demand deposits | $85,462 |
| Nontransaction accounts | $1,942,224 |
| Money market deposit accounts (MMDAs) | $1,469,583 |
| Other savings deposits (excluding MMDAs) | $93,202 |
| Total time deposits | $379,439 |
| Total time and savings deposits | $2,010,144 |
| Noninterest-bearing deposits | $338,572 |
| Interest-bearing deposits | $1,757,034 |
| Retail deposits | $1,968,294 |
| IRAs and Keogh plan accounts | $39,867 |
| Brokered deposits | $43,890 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,411,656 |
| Cash & Balances due from depository institutions | $41,610 |
| Interest-bearing balances | $11,735 |
| Total securities | $266,165 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,908,997 |
| Loan and leases loss allowance | $19,206 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $64,938 |
| Other real estate owned | $1,191 |
| Goodwill and other intangibles | $40,217 |
| All other assets | $88,538 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,411,656 |
| Total Liabilities | $2,177,881 |
| Total deposits | $2,095,606 |
| Interest-bearing deposits | $1,757,034 |
| Deposits held in domestic offices | $2,095,606 |
| % insured (estimated) | $62 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $65,010 |
| Subordinated debt | $0 |
| All other liabilities | $17,265 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,908,997 |
| Loan and leases loss allowance | $19,206 |
| Total loans and leases (domestic) | $1,928,203 |
| All real estate loans | $1,602,780 |
| Real estate loans in domestic offices | $1,602,780 |
| Construction and development loans | $138,970 |
| Residential 1-4 family construction | $61,686 |
| Other construction, all land development and other land | $77,284 |
| Loans secured by nonfarm nonresidential properties | $785,868 |
| Nonfarm nonresidential secured by owner-occupied properties | $202,258 |
| Commercial real estate & other non-farm, non-residential | $583,610 |
| Multifamily residential real estate | $163,562 |
| 1-4 family residential loans | $513,717 |
| Farmland loans | $663 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $219,141 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $86,182 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $3,313 |
| Other loans to individuals | $82,869 |
| All other loans & leases | $20,099 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $20,099 |
| 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 | $28,420 |
| Non 1-4 family restructured loans & leases | $2,186 |
| Total loans and leases (foreign) | $0 |
Fidelity Bank had $1,908,997,000 of loans outstanding in 2019. $1,602,780,000 of loans were in real estate loans. $138,970,000 of loans were in development loans. $163,562,000 of loans were in multifamily mortgage loans. $513,717,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $3,313,000 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 | 183 | $70,941 | $387,656 |
| Nonfarm, nonresidential loans - <$100k | 12 | $512 | $42,667 |
| Nonfarm, nonresidential loans - $100-250k | 34 | $4,770 | $140,294 |
| Nonfarm, nonresidential loans - $250k-1MM | 137 | $65,659 | $479,263 |
| Commercial & Industrial, US addressed loans - <$1MM | 208 | $27,297 | $131,236 |
| Commercial & Industrial, US addressed loans - <$100k | 81 | $2,320 | $28,642 |
| Commercial & Industrial, US addressed loans - $100-250k | 53 | $5,184 | $97,811 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 74 | $19,793 | $267,473 |
| Farmland loans - <$1MM | 1 | $183 | $183,000 |
| Farmland loans - $100-250k | 1 | $183 | $183,000 |