Fidelity Bank Mortgage Rates, Fees & Info

New Orleans, LA

LEI: 549300LE3ZOZXUS7W648

Tax ID: 72-0184470

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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. Their top markets by origination volume include: New Orleans, Baton Rouge, Shreveport, Pensacola, and Lafayette among others. We have data for 82 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 an average 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%	12/16/24
30 Year Conventional Purchase	6.85%	12/16/24
30 Year Conventional Refi	6.63%	12/16/24
30 Year Cash-out Refi	6.92%	12/16/24
30 Year FHA Purchase	7.45%	12/16/24
30 Year FHA Refi	6.27%	12/16/24
30 Year VA Purchase	6.36%	12/16/24
30 Year VA Refi	6.27%	12/16/24
30 Year USDA Purchase	6.89%	12/16/24
30 Year USDA Refi	6.21%	12/16/24
15 Year Conventional Purchase	6.41%	12/16/24
15 Year Conventional Refi	6.56%	12/16/24
15 Year Cash-out Refi	6.56%	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.

Fidelity Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

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

3,148

Origination Dollar Volume (All Markets)

$650,780,000

Employee count

343

Awards

FIDELITY BANK 30 Year Conventional Loans silver

FIDELITY BANK 30 Year Conventional Loans gold

Show all (11) 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
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1,476	$329,680,000	$223,360	$4,819	4.91%
BATON ROUGE, LA (FHA\|USDA\|VA)	236	$51,590,000	$218,602	$4,867	4.86%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	198	$39,600,000	$200,000	$5,096	4.82%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	162	$27,680,000	$170,864	$4,669	4.88%
LAFAYETTE, LA (FHA\|USDA\|VA)	119	$23,445,000	$197,017	$5,038	4.81%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	80	$18,860,000	$235,750	$5,392	4.59%
HAMMOND, LA (FHA\|USDA\|VA)	100	$17,340,000	$173,400	$4,470	4.91%
LAKE CHARLES, LA (FHA\|USDA\|VA)	83	$16,185,000	$195,000	$5,159	4.94%
JACKSON, MS (FHA\|USDA\|VA)	84	$16,060,000	$191,190	$4,463	4.78%
McComb, MS (FHA\|USDA\|VA)	75	$11,735,000	$156,467	$4,786	5.00%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	65	$11,295,000	$173,769	$5,024	4.82%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	47	$10,885,000	$231,596	$5,494	4.81%
HATTIESBURG, MS (FHA\|USDA\|VA)	62	$10,700,000	$172,581	$4,351	4.89%
Natchez, MS-LA (FHA\|USDA\|VA)	57	$9,595,000	$168,333	$6,032	4.73%
Outside of Metro Areas	49	$7,235,000	$147,653	$4,334	4.94%
Vicksburg, MS (FHA\|USDA\|VA)	40	$7,230,000	$180,750	$5,228	4.80%
Picayune, MS (FHA\|USDA\|VA)	30	$4,570,000	$152,333	$4,811	4.80%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	15	$3,735,000	$249,000	$4,015	4.72%
Bogalusa, LA (FHA\|USDA\|VA)	20	$3,400,000	$170,000	$4,343	4.75%
HOUMA-THIBODAUX, LA (FHA\|USDA\|VA)	11	$2,595,000	$235,909	$5,067	4.84%
Brookhaven, MS (FHA\|USDA\|VA)	15	$2,235,000	$149,000	$4,742	4.84%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	8	$1,830,000	$228,750	$6,130	4.67%
Minden, LA (FHA\|USDA\|VA)	11	$1,715,000	$155,909	$5,706	4.99%
MOBILE, AL (FHA\|USDA\|VA)	8	$1,430,000	$178,750	$3,022	5.00%
Jennings, LA (FHA\|USDA\|VA)	7	$1,285,000	$183,571	$5,915	4.84%
Opelousas, LA (FHA\|USDA\|VA)	9	$1,285,000	$142,778	$5,111	4.65%
Athens, TX (FHA\|USDA\|VA)	5	$1,125,000	$225,000	$6,742	4.98%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	2	$970,000	$485,000	$2,580	4.31%
DeRidder, LA (FHA\|USDA\|VA)	4	$800,000	$200,000	$5,683	5.19%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	4	$800,000	$200,000	$6,089	4.75%
Lebanon, NH-VT (FHA\|USDA\|VA)	3	$715,000	$238,333	$4,121	4.54%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	2	$660,000	$330,000	$7,271	4.81%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$635,000	$635,000	$3,535	5.75%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	2	$570,000	$285,000	$7,751	5.00%
Sandpoint, ID (FHA\|USDA\|VA)	1	$485,000	$485,000	$4,802	4.75%
Jackson, WY-ID (FHA\|USDA\|VA)	1	$455,000	$455,000	$7,632	4.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	2	$440,000	$220,000	$7,731	4.88%
PANAMA CITY, FL (FHA\|USDA\|VA)	3	$435,000	$145,000	$6,992	5.50%
LONGVIEW, TX (FHA\|USDA\|VA)	2	$420,000	$210,000	$3,143	4.31%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$415,000	$415,000	$3,476	4.63%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	1	$405,000	$405,000	$4,427	4.75%
Ruston, LA (FHA\|USDA\|VA)	2	$360,000	$180,000	$6,753	4.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	1	$355,000	$355,000	$3,617	4.63%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	2	$340,000	$170,000	$4,937	5.31%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,463	5.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,026	5.13%
ODESSA, TX (FHA\|USDA\|VA)	1	$275,000	$275,000	$6,321	4.38%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$275,000	$275,000	$7,944	4.75%
Morgan City, LA (FHA\|USDA\|VA)	3	$265,000	$88,333	$4,733	4.88%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	1	$265,000	$265,000	$10,699	4.50%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,961	5.38%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	1	$265,000	$265,000	$9,879	5.25%
Harrison, AR (FHA\|USDA\|VA)	1	$255,000	$255,000	$7,192	4.88%
MONROE, LA (FHA\|USDA\|VA)	1	$255,000	$255,000	$8,285	4.88%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,131	5.00%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	1	$245,000	$245,000	$5,479	5.25%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	1	$245,000	$245,000	$4,080	5.63%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	2	$220,000	$110,000	$0	5.13%
Ruidoso, NM (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,322	4.88%
LOUISVILLE, KY (FHA\|USDA\|VA)	1	$215,000	$215,000	$2,840	4.25%
Richmond-Berea, KY (FHA\|USDA\|VA)	1	$215,000	$215,000	$3,117	4.38%
Paducah, KY-IL (FHA\|USDA\|VA)	1	$195,000	$195,000	$6,326	4.63%
Laurel, MS (FHA\|USDA\|VA)	2	$190,000	$95,000	$4,385	5.19%
Searcy, AR (FHA\|USDA\|VA)	1	$185,000	$185,000	$7,070	5.00%
ASHEVILLE, NC (FHA\|USDA\|VA)	1	$175,000	$175,000	$3,418	4.13%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	1	$175,000	$175,000	$2,397	4.88%
DOTHAN, AL (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,042	5.13%
St. Marys, GA (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,720	4.63%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,595	4.75%
Lewisburg, TN (FHA\|USDA\|VA)	1	$155,000	$155,000	$8,720	4.00%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,927	4.63%
Mineral Wells, TX (FHA\|USDA\|VA)	1	$145,000	$145,000	$4,933	4.88%
Greenville, MS (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,207	4.75%
ALEXANDRIA, LA (FHA\|USDA\|VA)	1	$135,000	$135,000	$4,551	3.75%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$3,299	4.75%
SAVANNAH, GA (FHA\|USDA\|VA)	1	$125,000	$125,000	$3,942	4.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,780	4.50%
Starkville, MS (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,612	4.75%
SPRINGFIELD, MO (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,649	5.75%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$85,000	$85,000	$3,225	4.25%
El Dorado, AR (FHA\|USDA\|VA)	1	$55,000	$55,000	$2,209	5.63%
LYNCHBURG, VA (FHA\|USDA\|VA)	1	$55,000	$55,000	$2,613	5.50%

Fidelity Bank's top markets include New Orleans, Baton Rouge, Shreveport, Pensacola, and Lafayette among others.

Their top states include:

Louisiana (FHA|USDA|VA)

Mississippi (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Alabama (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.

Eglin Federal Credit Union
Similarity Rank: 8

MERITUS Federal Credit Union
Similarity Rank: 76

PIERREMONT MORTGAGE, INC.
Similarity Rank: 93

Bossier Federal Credit Union
Similarity Rank: 132

HARVESTERS FEDERAL CREDIT UNION
Similarity Rank: 159

GREATER NEW ORLEANS
Similarity Rank: 182

MORTGAGE ONE OF THE SOUTH, INC.
Similarity Rank: 208

Residential Acceptance Corporation
Similarity Rank: 270

BARKSDALE
Similarity Rank: 297

America's Mortgage Resource, Inc.
Similarity Rank: 315

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	1,944	$426,950,000	$219,624	$4,184	4.92%
FHA	577	$98,475,000	$170,667	$6,872	4.91%
VA	397	$92,375,000	$232,683	$5,001	4.58%
USDA	230	$32,980,000	$143,391	$5,088	4.84%

For 2018, Fidelity Bank's most frequently originated type of loan was Conventional, with 1,944 originations. Their 2nd most popular type was FHA, with 577 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	2,707	$564,905,000	$208,683	$4,991	4.85%
Cash Out Refi	214	$45,990,000	$214,907	$4,892	4.88%
Refi	143	$30,665,000	$214,441	$3,892	4.93%
Other	53	$6,085,000	$114,811	$2,104	5.72%
Home Improvement	31	$3,135,000	$101,129	$3,258	5.39%

For 2018, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 2,707 originations. The 2nd most popular reason was Cash Out Refi, with 214 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,908	$611,030,000	$210,120	$5,006	4.86%
15 Year	132	$22,910,000	$173,561	$3,579	4.85%
20 Year	54	$11,370,000	$210,556	$3,907	4.83%
10 Year	37	$2,705,000	$73,108	$1,170	5.95%
5 Year	9	$1,415,000	$157,222	$317	5.56%
Other	5	$1,105,000	$221,000	$3,507	5.09%
1 Year	2	$100,000	$50,000	$1,211	6.63%
3 Year	1	$145,000	$145,000	$0	6.95%

For 2018, Fidelity Bank's most frequently cited loan duration was 30 Year, with 2,908 originations. The 2nd most popular length was 15 Year, with 132 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,974	$402,050,000	$203,673
$<1k	433	$88,425,000	$204,215
$2k-3k	392	$81,230,000	$207,219
$3k-4k	127	$30,015,000	$236,339
$4k-5k	53	$15,005,000	$283,113
$5k+	36	$15,130,000	$420,278

Fidelity Bank's average total fees were $5,006, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,974 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	2,113	$460,055,000	$217,726
5-6%	793	$143,765,000	$181,293
3-4%	152	$36,270,000	$238,618
6-7%	71	$8,845,000	$124,577
7-8%	19	$1,845,000	$97,105

During 2018, Fidelity Bank's average interest rate for loans was 4.86%, while their most frequently originated rate bucket for loans was 4-5%, with 2,113 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-200k	1,400	$212,890,000	$152,064	$4,624	4.90%
$200k-400k	1,182	$317,980,000	$269,019	$5,426	4.73%
$100,000 or less	373	$27,335,000	$73,284	$3,174	5.29%
$400k-600k	172	$77,210,000	$448,895	$5,869	4.70%
$600k-1MM	19	$13,355,000	$702,895	$8,797	5.00%
$1MM+	2	$2,010,000	$1,005,000	$10,621	5.81%

2018 saw Fidelity Bank place emphasis on $100k-200k loans with 1,400 originations, totaling $212,890,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	909	$161,965,000	$178,179	$4,825	4.87%
$50k or less	678	$86,460,000	$127,522	$4,394	4.90%
$100k-150k	578	$151,200,000	$261,592	$5,275	4.82%
$75k-100k	524	$112,340,000	$214,389	$5,124	4.83%
$150k-250k	308	$90,360,000	$293,377	$5,018	4.88%
$250k+	122	$43,010,000	$352,541	$4,871	4.93%

Fidelity Bank lent most frequently to those with incomes in the $50k-75k range, with 909 originations. The second most popular income band? $50k or less, with 678 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
30-36%	528	$109,310,000	$207,027	$4,693	4.87%
20-30%	486	$100,880,000	$207,572	$4,575	4.79%
50-60%	220	$43,260,000	$196,636	$6,440	4.81%
44%	160	$33,070,000	$206,688	$4,769	4.92%
43%	151	$31,665,000	$209,702	$4,750	4.92%
41%	141	$29,765,000	$211,099	$4,982	4.85%
42%	139	$29,395,000	$211,475	$4,728	5.00%
40%	132	$24,850,000	$188,258	$4,509	4.86%
38%	126	$24,430,000	$193,889	$4,844	4.95%
37%	124	$24,120,000	$194,516	$4,394	4.98%
48%	123	$26,015,000	$211,504	$5,084	4.91%
36%	123	$24,135,000	$196,220	$4,675	4.88%
39%	122	$26,990,000	$221,230	$5,218	4.89%
49%	122	$26,210,000	$214,836	$5,116	4.90%
45%	115	$23,925,000	$208,043	$4,997	4.82%
<20%	107	$20,565,000	$192,196	$3,642	4.73%
47%	103	$24,115,000	$234,126	$5,330	4.81%
46%	97	$21,485,000	$221,495	$4,989	4.84%
>60%	10	$2,760,000	$276,000	$7,026	4.78%

Fidelity Bank lent most frequently to those with DTI ratios of 30-36%, with 528 originations. The next most common DTI ratio? 20-30%, with 486 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,359	$496,285,000	$210,379	$4,800	4.85%
Not provided	399	$85,735,000	$214,875	$5,115	4.85%
Black	329	$55,865,000	$169,802	$5,096	5.04%
Asian	35	$7,495,000	$214,143	$4,905	4.90%
Not applicable	15	$3,475,000	$231,667	$0	6.28%
Native Hawaiian or Islander	4	$710,000	$177,500	$4,654	4.75%
American Indian	4	$620,000	$155,000	$5,860	4.38%
Asian Indian	2	$470,000	$235,000	$5,105	4.50%
Other Asian	1	$125,000	$125,000	$5,184	4.75%

Approval Rates

Total approvals of all applications
90.83%

Fidelity Bank has an average approval rate.

Pick Rate

Approvals leading to origination
77.13%

Fidelity Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	3,148	$650,780,000	$206,728

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	5	$1,895,000	$379,000
Single Family (1-4 Units):Site-Built	3,143	$648,885,000	$206,454

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	71	$8,935,000	$125,845	$3,096	4.96%
40-60%	161	$32,195,000	$199,969	$3,893	4.74%
60-80%	571	$131,685,000	$230,622	$4,283	4.87%
80-100%	2,180	$448,080,000	$205,541	$5,100	4.86%
Over 100%	115	$27,435,000	$238,565	$7,171	4.59%
Under 20%	50	$2,450,000	$49,000	$772	6.36%

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	1201 S. Carrollton Avenue New Orleans, LA 70118	Full Service B&M	$29,588
FIDELITY BANK	1220 Veterans Blvd Metairie, LA 70005	Limited, Drive-thru	$0
FIDELITY BANK	1450 Poydras Street, Suite 100 New Orleans, LA 70112	Full Service B&M	$1,207
FIDELITY BANK	149 Robert E. Lee Boulevard New Orleans, LA 70124	Full Service B&M	$34,509
FIDELITY BANK	1639 Highway 51 Ponchatoula, LA 70454	Full Service B&M	$7,758
FIDELITY BANK	1811 Metairie Ave Metairie, LA 70005	Full Service B&M	$35,297
FIDELITY BANK	1888 Belle Chase Highway Gretna, LA 70056	Full Service B&M	$23,575
FIDELITY BANK	1901 Gause Blvd E Slidell, LA 70461	Full Service B&M	$34,473
FIDELITY BANK	2201 N Highway 190 Covington, LA 70433	Full Service B&M	$31,384
FIDELITY BANK	2550 Florida Street Mandeville, LA 70448	Full Service B&M	$21,173
FIDELITY BANK	321 St Charles Ave New Orleans, LA 70130	Full Service B&M	$89,235
FIDELITY BANK	3270 Williams Boulevard Kenner, LA 70065	Full Service B&M	$44,238
FIDELITY BANK	3511 General Degaulle Drive New Orleans, LA 70114	Full Service B&M	$16,797
FIDELITY BANK	3829 Veterans Boulevard Metairie, LA 70002	Full Service B&M	$143,307
FIDELITY BANK	500 C M Fagen Drive Hammond, LA 70403	Full Service B&M	$9,040
FIDELITY BANK	5530 Crowder Boulevard New Orleans, LA 70127	Full Service B&M	$25,934
FIDELITY BANK	5643 Corporate Blvd. Baton Rouge, LA 70808	Full Service B&M	$10,357
FIDELITY BANK	9099 Jefferson Hwy River Ridge, LA 70123	Full Service B&M	$48,799

For 2018, Fidelity Bank had 18 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$40,268
Net interest income	$35,296
Total noninterest income	$26,780
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$1,030
Trading account gains and fees	$0
Additional Noninterest Income	$25,750
Pre-tax net operating income	$5,201
Securities gains (or losses, -)	$13
Income before extraordinary items	$4,157
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$4,157
Minority interest net income	$0
Net income	$4,157
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$4,146

Fidelity Bank's gross interest income from loans was $40,268,000.
Fidelity Bank's net interest income from loans was $35,296,000.
Fidelity Bank's fee based income from loans was $1,030,000.
Fidelity Bank's net income from loans was $4,157,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$4,972
Provision for credit losses	$75
Total noninterest expense	$56,800
Salaries and employee benefits	$36,854
Premises and equipment expense	$6,318
Additional noninterest expense	$13,628
Applicable income taxes	$1,057
Net charge-offs	$85
Cash dividends	$0

Fidelity Bank's interest expense for loans was $4,972,000.
Fidelity Bank's payroll and benefits expense were $36,854,000.
Fidelity Bank's property, plant and equipment expenses $6,318,000.

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	2.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	3.0%
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	$623,693
Deposits held in domestic offices	$623,693
Deposits by Individuals, partnerships, and corporations	$620,823
Deposits by U.S. Government	$35
Deposits by States and political subdivisions in the U.S.	$2,312
Deposits by Commercial banks and other depository institutions in U.S.	$523
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$173,673
Demand deposits	$173,673
Nontransaction accounts	$450,020
Money market deposit accounts (MMDAs)	$90,866
Other savings deposits (excluding MMDAs)	$134,162
Total time deposits	$224,992
Total time and savings deposits	$450,020
Noninterest-bearing deposits	$79,532
Interest-bearing deposits	$544,161
Retail deposits	$562,361
IRAs and Keogh plan accounts	$67,949
Brokered deposits	$52,571
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$824,014
Cash & Balances due from depository institutions	$29,639
Interest-bearing balances	$22,444
Total securities	$173,421
Federal funds sold & reverse repurchase	$0
Net loans and leases	$546,339
Loan and leases loss allowance	$4,947
Trading account assets	$0
Bank premises and fixed assets	$36,648
Other real estate owned	$310
Goodwill and other intangibles	$8,984
All other assets	$28,673

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$824,014
Total Liabilities	$683,665
Total deposits	$623,693
Interest-bearing deposits	$544,161
Deposits held in domestic offices	$623,693
% insured (estimated)	$88
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$56,102
Subordinated debt	$0
All other liabilities	$3,870

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$546,339
Loan and leases loss allowance	$4,947
Total loans and leases (domestic)	$551,286
All real estate loans	$517,381
Real estate loans in domestic offices	$517,381
Construction and development loans	$48,540
Residential 1-4 family construction	$0
Other construction, all land development and other land	$48,540
Loans secured by nonfarm nonresidential properties	$140,054
Nonfarm nonresidential secured by owner-occupied properties	$31,779
Commercial real estate & other non-farm, non-residential	$108,275
Multifamily residential real estate	$25,093
1-4 family residential loans	$303,115
Farmland loans	$579
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$27,153
To non-U.S. addressees	$0
Loans to individuals	$4,776
Credit card loans	$261
Related Plans	$2,051
Consumer Auto Loans	$289
Other loans to individuals	$2,175
All other loans & leases	$1,976
Loans to foreign governments and official institutions	$0
Other loans	$1,690
Loans to depository institutions and acceptances of other banks	$286
Loans not secured by real estate	$0
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$5,364
Non 1-4 family restructured loans & leases	$3,476
Total loans and leases (foreign)	$0

FIDELITY BANK had $546,339,000 of loans outstanding in 2018. $517,381,000 of loans were in real estate loans. $48,540,000 of loans were in development loans. $25,093,000 of loans were in multifamily mortgage loans. $303,115,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $261,000 of loans were in credit card loans. $289,000 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	150	$37,472	$249,813
Nonfarm, nonresidential loans - <$100k	22	$1,107	$50,318
Nonfarm, nonresidential loans - $100-250k	54	$7,289	$134,981
Nonfarm, nonresidential loans - $250k-1MM	74	$29,076	$392,919
Commercial & Industrial, US addressed loans - <$1MM	257	$19,251	$74,907
Commercial & Industrial, US addressed loans - <$100k	181	$7,168	$39,602
Commercial & Industrial, US addressed loans - $100-250k	58	$5,314	$91,621
Commercial & Industrial, US addressed loans - $250k-1MM	18	$6,769	$376,056