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. 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%	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

3,008

Origination Dollar Volume (All Markets)

$678,270,000

Employee count

321

Awards

FIDELITY BANK 30 Year Conventional Loans gold

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)

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: 9

PIERREMONT MORTGAGE, INC.
Similarity Rank: 33

Bossier Federal Credit Union
Similarity Rank: 42

MERITUS Federal Credit Union
Similarity Rank: 80

First Castle Federal Credit Union
Similarity Rank: 180

Eureka Homestead
Similarity Rank: 201

Gulf Winds Credit Union
Similarity Rank: 225

MORTGAGE ONE OF THE SOUTH, INC.
Similarity Rank: 268

Jeff Davis Bancshares
Similarity Rank: 312

JEFFERSON FINANCIAL
Similarity Rank: 400

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