Fidelity Bank Mortgage Rates, Fees & Info

New Orleans, LA

LEI: 549300LE3ZOZXUS7W648

Tax ID: 72-0184470

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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: New Orleans, Baton Rouge, Shreveport, Lake Charles, and Lafayette among others. We have data for 77 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% 3/28/24
30 Year Conventional Purchase 6.85% 3/28/24
30 Year Conventional Refi 6.63% 3/28/24
30 Year Cash-out Refi 6.92% 3/28/24
30 Year FHA Purchase 7.45% 3/28/24
30 Year FHA Refi 6.27% 3/28/24
30 Year VA Purchase 6.36% 3/28/24
30 Year VA Refi 6.27% 3/28/24
30 Year USDA Purchase 6.89% 3/28/24
30 Year USDA Refi 6.21% 3/28/24
15 Year Conventional Purchase 6.41% 3/28/24
15 Year Conventional Refi 6.56% 3/28/24
15 Year Cash-out Refi 6.56% 3/28/24
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

3,008

Origination Dollar Volume (All Markets)

$678,270,000

Employee count

321 Show all (5) 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) 1,492 $374,580,000 $251,059 $5,161 4.42%
BATON ROUGE, LA (FHA|USDA|VA) 214 $47,090,000 $220,047 $4,963 4.28%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 218 $44,070,000 $202,156 $4,803 4.36%
LAKE CHARLES, LA (FHA|USDA|VA) 152 $30,060,000 $197,763 $5,245 4.37%
LAFAYETTE, LA (FHA|USDA|VA) 138 $26,280,000 $190,435 $4,735 4.37%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 85 $22,855,000 $268,882 $5,397 4.13%
JACKSON, MS (FHA|USDA|VA) 81 $17,615,000 $217,469 $4,368 4.34%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 93 $16,315,000 $175,430 $5,298 4.46%
McComb, MS (FHA|USDA|VA) 72 $11,910,000 $165,417 $4,569 4.39%
HATTIESBURG, MS (FHA|USDA|VA) 58 $10,470,000 $180,517 $4,383 4.38%
Outside of Metro Areas 64 $10,050,000 $157,031 $4,542 4.36%
Vicksburg, MS (FHA|USDA|VA) 38 $7,370,000 $193,947 $5,690 4.13%
HAMMOND, LA (FHA|USDA|VA) 45 $7,235,000 $160,778 $4,504 4.63%
Natchez, MS-LA (FHA|USDA|VA) 46 $6,020,000 $130,870 $5,062 4.32%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 19 $5,605,000 $295,000 $5,049 4.30%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 15 $3,095,000 $206,333 $4,378 4.34%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 13 $2,875,000 $221,154 $5,022 4.12%
Brookhaven, MS (FHA|USDA|VA) 13 $2,505,000 $192,692 $5,441 4.21%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 9 $2,065,000 $229,444 $3,998 4.56%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 8 $2,010,000 $251,250 $6,204 4.30%
Opelousas, LA (FHA|USDA|VA) 6 $1,840,000 $306,667 $5,054 4.48%
Minden, LA (FHA|USDA|VA) 11 $1,745,000 $158,636 $5,478 4.93%
Jennings, LA (FHA|USDA|VA) 9 $1,565,000 $173,889 $4,569 4.63%
Athens, TX (FHA|USDA|VA) 6 $1,500,000 $250,000 $5,774 4.21%
Picayune, MS (FHA|USDA|VA) 10 $1,450,000 $145,000 $4,801 4.79%
DeRidder, LA (FHA|USDA|VA) 6 $1,420,000 $236,667 $5,930 4.50%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 5 $1,075,000 $215,000 $5,025 4.28%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $935,000 $187,000 $4,026 4.28%
Bogalusa, LA (FHA|USDA|VA) 3 $875,000 $291,667 $4,886 5.13%
Laurel, MS (FHA|USDA|VA) 7 $875,000 $125,000 $3,932 4.24%
MOBILE, AL (FHA|USDA|VA) 4 $740,000 $185,000 $4,268 4.53%
Cleveland, MS (FHA|USDA|VA) 4 $730,000 $182,500 $4,552 4.27%
ST. GEORGE, UT (FHA|USDA|VA) 2 $600,000 $300,000 $3,632 4.31%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $590,000 $295,000 $3,264 3.69%
Morgan City, LA (FHA|USDA|VA) 4 $510,000 $127,500 $3,680 4.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $490,000 $245,000 $6,749 3.56%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $485,000 $485,000 $6,274 3.75%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $485,000 $485,000 $11,718 3.50%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $465,000 $465,000 $10,100 4.38%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $450,000 $225,000 $6,033 4.50%
TYLER, TX (FHA|USDA|VA) 2 $440,000 $220,000 $6,973 3.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $420,000 $210,000 $5,633 4.50%
LUBBOCK, TX (FHA|USDA|VA) 1 $385,000 $385,000 $4,730 3.75%
BOISE CITY, ID (FHA|USDA|VA) 1 $375,000 $375,000 $6,064 3.63%
PANAMA CITY, FL (FHA|USDA|VA) 3 $375,000 $125,000 $4,035 4.92%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $365,000 $365,000 $10,445 3.50%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $365,000 $365,000 $4,700 3.88%
HARRISONBURG, VA (FHA|USDA|VA) 1 $325,000 $325,000 $3,415 4.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $320,000 $160,000 $7,317 5.13%
LONGVIEW, TX (FHA|USDA|VA) 2 $320,000 $160,000 $6,791 3.75%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $315,000 $315,000 $3,267 3.38%
Alexander City, AL (FHA|USDA|VA) 1 $315,000 $315,000 $3,318 4.25%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $315,000 $315,000 $4,079 3.88%
Starkville, MS (FHA|USDA|VA) 1 $285,000 $285,000 $3,747 4.25%
SANTA FE, NM (FHA|USDA|VA) 1 $285,000 $285,000 $3,405 4.75%
Thomasville, GA (FHA|USDA|VA) 1 $275,000 $275,000 $8,909 3.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $265,000 $265,000 $4,246 3.38%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $245,000 $245,000 $6,963 3.75%
Oxford, MS (FHA|USDA|VA) 1 $245,000 $245,000 $3,306 4.38%
Ruston, LA (FHA|USDA|VA) 2 $240,000 $120,000 $3,692 5.06%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $235,000 $235,000 $3,824 3.63%
Roswell, NM (FHA|USDA|VA) 1 $225,000 $225,000 $2,451 4.13%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $195,000 $195,000 $3,286 4.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $195,000 $195,000 $3,693 4.88%
Lebanon, NH-VT (FHA|USDA|VA) 1 $195,000 $195,000 $2,926 4.50%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $185,000 $185,000 $4,059 4.13%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $185,000 $185,000 $4,277 3.50%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,667 4.50%
MONROE, LA (FHA|USDA|VA) 1 $165,000 $165,000 $6,231 4.00%
Magnolia, AR (FHA|USDA|VA) 1 $165,000 $165,000 $3,076 4.38%
Columbus, MS (FHA|USDA|VA) 1 $155,000 $155,000 $3,754 3.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,627 3.38%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $155,000 $155,000 $6,780 3.75%
WACO, TX (FHA|USDA|VA) 1 $145,000 $145,000 $5,344 4.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,795 3.25%
Minot, ND (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.25%
Fort Payne, AL (FHA|USDA|VA) 1 $115,000 $115,000 $3,523 4.63%
Fidelity Bank's top markets include New Orleans, Baton Rouge, Shreveport, Lake Charles, 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)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,017 $483,355,000 $239,641 $4,489 4.40%
    FHA 505 $87,115,000 $172,505 $6,928 4.57%
    VA 329 $83,955,000 $255,182 $5,085 4.08%
    USDA 157 $23,845,000 $151,879 $5,205 4.12%

    For 2019, Fidelity Bank's most frequently originated type of loan was Conventional, with 2,017 originations. Their 2nd most popular type was FHA, with 505 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,355 $516,705,000 $219,408 $5,167 4.40%
    Refi 340 $90,530,000 $266,265 $4,459 4.05%
    Cash Out Refi 253 $63,585,000 $251,324 $5,035 4.36%
    Other 38 $5,140,000 $135,263 $2,138 5.71%
    Home Improvement 22 $2,310,000 $105,000 $2,670 5.21%

    For 2019, Fidelity Bank's most frequently cited loan purpose was Home Purchase, with 2,355 originations. The 2nd most popular reason was Refi, with 340 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,743 $630,335,000 $229,798 $5,155 4.37%
    15 Year 153 $27,545,000 $180,033 $3,777 4.06%
    20 Year 63 $12,325,000 $195,635 $3,942 4.55%
    10 Year 23 $2,495,000 $108,478 $1,799 5.98%
    Other 13 $2,875,000 $221,154 $4,391 4.63%
    5 Year 9 $1,005,000 $111,667 $511 6.19%
    1 Year 2 $1,490,000 $745,000 $0 6.75%
    3 Year 2 $200,000 $100,000 $0 6.10%

    For 2019, Fidelity Bank's most frequently cited loan duration was 30 Year, with 2,743 originations. The 2nd most popular length was 15 Year, with 153 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,803 $385,395,000 $213,752
    $2k-3k 442 $100,470,000 $227,308
    $<1k 341 $78,525,000 $230,279
    $3k-4k 184 $50,990,000 $277,120
    $4k-5k 48 $17,630,000 $367,292
    $5k+ 32 $18,300,000 $571,875

    Fidelity Bank's average total fees were $5,155, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,803 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,423 $308,705,000 $216,940
    3-4% 1,121 $283,925,000 $253,278
    5-6% 394 $73,610,000 $186,827
    6-7% 49 $8,055,000 $164,388
    7-8% 13 $1,545,000 $118,846
    2.5-3% 7 $2,395,000 $342,143
    Over 8% 1 $35,000 $35,000

    During 2019, Fidelity Bank's average interest rate for loans was 4.37%, while their most frequently originated rate bucket for loans was 4-5%, with 1,423 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,275 $195,005,000 $152,945 $4,652 4.47%
    $200k-400k 1,213 $330,485,000 $272,453 $5,425 4.19%
    $100,000 or less 267 $19,875,000 $74,438 $3,478 4.98%
    $400k-600k 215 $99,625,000 $463,372 $6,007 4.18%
    $600k-1MM 31 $23,065,000 $744,032 $7,606 4.46%
    $1MM+ 7 $10,215,000 $1,459,286 $12,149 4.84%

    2019 saw Fidelity Bank place emphasis on $100k-200k loans with 1,275 originations, totaling $195,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 838 $152,460,000 $181,933 $5,000 4.43%
    $100k-150k 574 $153,090,000 $266,707 $5,353 4.27%
    $50k or less 557 $74,805,000 $134,300 $4,570 4.46%
    $75k-100k 513 $115,325,000 $224,805 $5,071 4.33%
    $150k-250k 285 $93,865,000 $329,351 $5,150 4.31%
    $250k+ 170 $69,120,000 $406,588 $5,767 4.45%

    Fidelity Bank lent most frequently to those with incomes in the $50k-75k range, with 838 originations. The second most popular income band? $100k-150k, with 574 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 586 $130,560,000 $222,799 $4,904 4.32%
    20-30% 514 $117,780,000 $229,144 $4,744 4.24%
    50-60% 190 $42,490,000 $223,632 $6,629 4.44%
    <20% 151 $31,825,000 $210,762 $4,292 4.17%
    42% 144 $32,070,000 $222,708 $4,851 4.48%
    44% 137 $29,155,000 $212,810 $5,025 4.52%
    38% 122 $27,720,000 $227,213 $5,091 4.44%
    41% 117 $29,625,000 $253,205 $5,060 4.37%
    43% 117 $26,215,000 $224,060 $5,023 4.40%
    36% 116 $24,830,000 $214,052 $4,831 4.45%
    39% 115 $26,315,000 $228,826 $4,940 4.49%
    40% 115 $25,815,000 $224,478 $4,793 4.39%
    37% 109 $23,075,000 $211,697 $4,813 4.50%
    49% 93 $20,885,000 $224,570 $5,448 4.56%
    45% 89 $20,475,000 $230,056 $5,200 4.52%
    47% 84 $17,560,000 $209,048 $5,447 4.38%
    48% 80 $18,910,000 $236,375 $5,443 4.51%
    46% 79 $19,475,000 $246,519 $5,499 4.38%
    >60% 1 $105,000 $105,000 $0 6.75%

    Fidelity Bank lent most frequently to those with DTI ratios of 30-36%, with 586 originations. The next most common DTI ratio? 20-30%, with 514 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,223 $514,765,000 $231,563 $4,940 4.33%
    Not provided 327 $79,055,000 $241,758 $5,146 4.40%
    Black 401 $70,075,000 $174,751 $5,411 4.56%
    Asian 33 $8,965,000 $271,667 $5,147 4.32%
    Not applicable 19 $4,575,000 $240,789 $0 6.37%
    American Indian 3 $635,000 $211,667 $6,420 4.13%
    Native Hawaiian or Islander 2 $200,000 $100,000 $5,947 5.06%

    Approval Rates

    Total approvals of all applications
    91.30%

    Fidelity Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.63%

    Fidelity Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,008 $678,270,000 $225,489

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $565,000 $565,000
    Multifamily:Site-Built 5 $2,275,000 $455,000
    Single Family (1-4 Units):Site-Built 3,002 $675,430,000 $224,993

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 56 $7,620,000 $136,071 $3,122 4.65%
    40-60% 175 $40,215,000 $229,800 $4,133 4.16%
    60-80% 671 $164,345,000 $244,925 $4,454 4.39%
    80-100% 1,988 $440,890,000 $221,776 $5,242 4.37%
    Over 100% 90 $23,510,000 $261,222 $7,757 4.19%
    Under 20% 27 $1,665,000 $61,667 $1,011 6.45%

    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 1001 Julia St Ste 112a New Orleans, LA 70113 Full Service B&M $124,944
    FIDELITY BANK 1201 S. Carrollton Avenue New Orleans, LA 70118 Full Service B&M $32,743
    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 $1,524
    FIDELITY BANK 149 Robert E. Lee Boulevard New Orleans, LA 70124 Full Service B&M $29,331
    FIDELITY BANK 1639 Highway 51 Ponchatoula, LA 70454 Full Service B&M $7,731
    FIDELITY BANK 1811 Metairie Ave Metairie, LA 70005 Full Service B&M $37,793
    FIDELITY BANK 1888 Belle Chase Highway Gretna, LA 70056 Full Service B&M $22,660
    FIDELITY BANK 1901 Gause Blvd E Slidell, LA 70461 Full Service B&M $31,384
    FIDELITY BANK 2201 N Highway 190 Covington, LA 70433 Full Service B&M $28,017
    FIDELITY BANK 2550 Florida Street Mandeville, LA 70448 Full Service B&M $23,085
    FIDELITY BANK 3270 Williams Boulevard Kenner, LA 70065 Full Service B&M $42,331
    FIDELITY BANK 3511 General Degaulle Drive New Orleans, LA 70114 Full Service B&M $17,862
    FIDELITY BANK 3829 Veterans Boulevard Metairie, LA 70002 Full Service B&M $134,115
    FIDELITY BANK 500 C M Fagen Drive Hammond, LA 70403 Full Service B&M $8,373
    FIDELITY BANK 5530 Crowder Boulevard New Orleans, LA 70127 Full Service B&M $23,452
    FIDELITY BANK 5643 Corporate Blvd. Baton Rouge, LA 70808 Full Service B&M $10,931
    FIDELITY BANK 9099 Jefferson Hwy River Ridge, LA 70123 Full Service B&M $46,383

    For 2019, Fidelity Bank had 18 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $40,957
    Net interest income $35,450
    Total noninterest income $27,140
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,087
    Trading account gains and fees $0
    Additional Noninterest Income $26,053
    Pre-tax net operating income $6,112
    Securities gains (or losses, -) $317
    Income before extraordinary items $5,009
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,009
    Minority interest net income $0
    Net income $5,009
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,758

    Fidelity Bank's gross interest income from loans was $40,957,000.
    Fidelity Bank's net interest income from loans was $35,450,000.
    Fidelity Bank's fee based income from loans was $1,087,000.
    Fidelity Bank's net income from loans was $5,009,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,507
    Provision for credit losses $56
    Total noninterest expense $56,422
    Salaries and employee benefits $37,382
    Premises and equipment expense $6,216
    Additional noninterest expense $12,824
    Applicable income taxes $1,420
    Net charge-offs $198
    Cash dividends $0

    Fidelity Bank's interest expense for loans was $5,507,000.
    Fidelity Bank's payroll and benefits expense were $37,382,000.
    Fidelity Bank's property, plant and equipment expenses $6,216,000.

    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 3.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $567,317
    Deposits held in domestic offices $567,317
    Deposits by Individuals, partnerships, and corporations $565,193
    Deposits by U.S. Government $7
    Deposits by States and political subdivisions in the U.S. $1,566
    Deposits by Commercial banks and other depository institutions in U.S. $551
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $179,062
    Demand deposits $179,062
    Nontransaction accounts $388,255
    Money market deposit accounts (MMDAs) $89,236
    Other savings deposits (excluding MMDAs) $121,711
    Total time deposits $177,308
    Total time and savings deposits $388,255
    Noninterest-bearing deposits $80,659
    Interest-bearing deposits $486,658
    Retail deposits $544,892
    IRAs and Keogh plan accounts $59,511
    Brokered deposits $16,202
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $760,123
    Cash & Balances due from depository institutions $42,476
    Interest-bearing balances $32,885
    Total securities $121,827
    Federal funds sold & reverse repurchase $0
    Net loans and leases $524,571
    Loan and leases loss allowance $4,804
    Trading account assets $0
    Bank premises and fixed assets $36,394
    Other real estate owned $74
    Goodwill and other intangibles $9,625
    All other assets $25,156

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $760,123
    Total Liabilities $612,206
    Total deposits $567,317
    Interest-bearing deposits $486,658
    Deposits held in domestic offices $567,317
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $39,596
    Subordinated debt $0
    All other liabilities $5,293

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $524,571
    Loan and leases loss allowance $4,804
    Total loans and leases (domestic) $529,375
    All real estate loans $492,318
    Real estate loans in domestic offices $492,318
    Construction and development loans $28,520
    Residential 1-4 family construction $0
    Other construction, all land development and other land $28,520
    Loans secured by nonfarm nonresidential properties $127,162
    Nonfarm nonresidential secured by owner-occupied properties $22,480
    Commercial real estate & other non-farm, non-residential $104,682
    Multifamily residential real estate $32,448
    1-4 family residential loans $304,188
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $30,272
    To non-U.S. addressees $0
    Loans to individuals $5,510
    Credit card loans $1,019
    Related Plans $2,196
    Consumer Auto Loans $317
    Other loans to individuals $1,978
    All other loans & leases $1,275
    Loans to foreign governments and official institutions $0
    Other loans $1,132
    Loans to depository institutions and acceptances of other banks $143
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,510
    Non 1-4 family restructured loans & leases $118
    Total loans and leases (foreign) $0

    FIDELITY BANK had $524,571,000 of loans outstanding in 2019. $492,318,000 of loans were in real estate loans. $28,520,000 of loans were in development loans. $32,448,000 of loans were in multifamily mortgage loans. $304,188,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $1,019,000 of loans were in credit card loans. $317,000 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 168 $38,193 $227,339
    Nonfarm, nonresidential loans - <$100k 23 $1,068 $46,435
    Nonfarm, nonresidential loans - $100-250k 66 $8,877 $134,500
    Nonfarm, nonresidential loans - $250k-1MM 79 $28,248 $357,570
    Commercial & Industrial, US addressed loans - <$1MM 395 $27,170 $68,785
    Commercial & Industrial, US addressed loans - <$100k 298 $11,540 $38,725
    Commercial & Industrial, US addressed loans - $100-250k 79 $7,321 $92,671
    Commercial & Industrial, US addressed loans - $250k-1MM 18 $8,309 $461,611