TellerScore

Fidelity Bank is a state-chartered bank (fed member) headquartered in West Memphis, Arkansas, in business for about 60 years. At the end of Q2 2026 it reported $546.8M in total assets and $496.3M in deposits, with 6 offices.

Based on its Q2 2026 filing, Fidelity Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 78 banks headquartered in Arkansas, it ranks 21st. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (71/100; 1.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion81/100
Tier 1 leverage ratio: 13.07%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.74%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 51.1% · 37.5% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (80 → 78), mostly because the loan quality component weakened by 25 points.

TellerScore
747882Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202475
Q4 202474
Q1 202580
Q2 202580
Q3 202582
Q4 202575
Q1 202676
Q2 202678
Tier 1 leverage ratio
5.00%9.04%13.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.13%
Q3 202411.33%
Q4 202411.01%
Q1 202512.10%
Q2 202512.30%
Q3 202512.62%
Q4 202512.60%
Q1 202612.68%
Q2 202613.07%
Noncurrent loans
0.00%0.37%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.05%
Q4 20240.01%
Q1 20250.01%
Q2 20250.00%
Q3 20250.00%
Q4 20250.71%
Q1 20260.72%
Q2 20260.74%
Return on assets
0.80%1.04%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20240.89%
Q4 20240.80%
Q1 20251.02%
Q2 20251.05%
Q3 20251.08%
Q4 20251.10%
Q1 20261.25%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$546.8M13.07%0.74%1.28%51.1%
Q1 202676$558.2M12.68%0.72%1.25%50.9%
Q4 202575$553.1M12.60%0.71%1.10%53.3%
Q3 202582$546.8M12.62%0.00%1.08%53.3%
Q2 202580$551.7M12.30%0.00%1.05%50.8%
Q1 202580$546.5M12.10%0.01%1.02%51.4%
Q4 202474$543.0M11.01%0.01%0.80%48.2%
Q3 202475$543.8M11.33%0.05%0.89%52.4%
Q2 202476$542.1M11.13%0.07%1.06%49.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.07%
76th
Total risk-based capital0.00%
24th
Problem loans0.74%
36th
Net charge-offs0.00%
57th
Return on assets1.28%
52nd
Net interest margin2.96%
9th
Efficiency ratio59.2%
60th
Loans to deposits51.1%
91st
Uninsured deposits37.5%
13th
Loan-loss reserves1.37%
69th
Texas ratio3.7%
43rd

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens' Bank & Trust Co.Bank Van Buren, AR82 out of 100, Strong$566.4M11.8%0.20%vs
First State Bank of DeQueenBank De Queen, AR64 out of 100, Moderate$525.1M8.5%1.23%vs
Armor BankBank Forrest City, AR66 out of 100, Moderate$516.9M9.4%0.41%vs
Eagle Bank and Trust CompanyBank Little Rock, AR83 out of 100, Strong$505.7M16.4%0.65%vs
First National Bank of Eastern ArkansasBank Forrest City, AR72 out of 100, Strong$589.5M11.0%0.64%vs
Cross BankBank Wynne, AR54 out of 100, Below average$593.5M10.5%2.47%vs

Deposit insurance

Is my money safe at Fidelity Bank?

Yes. Fidelity Bank is an FDIC-insured institution (FDIC certificate #19644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.5% of deposits ($186.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Fidelity Bank lists 6 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fidelity Bank reported 33 home-loan applications under HMDA (LEI 549300GDAFL5HNJKDR03): 30 originated ($3,400,000 total), 2 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Fidelity Bank
Former names
Fidelity National Bank of West Memphis; Fidelity National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
19644
RSSD ID
848248
Primary regulator
FED
Holding company
Carlson Bancshares Inc
Established
November 4, 1966
Headquarters
330 W Broadway St, West Memphis, AR 72301
Employees
62

Quick answers

Fidelity Bank: common questions

Is Fidelity Bank FDIC insured?

Yes. Fidelity Bank is an FDIC-insured institution (FDIC certificate #19644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fidelity Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Fidelity Bank ever failed?

There is no failure record for FDIC certificate #19644 in the FDIC failed bank list.

How many branches does Fidelity Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near West Memphis

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Rio Grande Federal Credit UnionCredit union Grand Junction, CO97 out of 100, Very strong$80.8M22.0%0.03%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
First South Financial Federal Credit UnionCredit union Bartlett, TN95 out of 100, Very strong$844.8M30.2%0.22%vs
L G & W Federal Credit UnionCredit union Memphis, TN92 out of 100, Very strong$115.1M21.7%0.32%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs