Fidelity Bank (FDIC certificate #5753) is based in Savanna, Illinois. Its Q2 2026 call report shows $198.6M in total assets and $165.5M in deposits and 6 offices across 2 states.
Based on its Q2 2026 filing, Fidelity Bank scores 52/100, which we describe as below average. That is higher than only 8% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 287th. Its strongest component is problem-loan coverage (85/100; 7.5%), and its lowest is capital cushion (30/100; 7.97%).
TellerScore · Q2 2026
Scorecard
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 4 points (56 → 52), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 48 |
| Q4 2024 | 51 |
| Q1 2025 | 53 |
| Q2 2025 | 56 |
| Q3 2025 | 49 |
| Q4 2025 | 51 |
| Q1 2026 | 50 |
| Q2 2026 | 52 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.88% |
| Q3 2024 | 8.92% |
| Q4 2024 | 8.82% |
| Q1 2025 | 8.72% |
| Q2 2025 | 8.38% |
| Q3 2025 | 7.91% |
| Q4 2025 | 8.01% |
| Q1 2026 | 8.03% |
| Q2 2026 | 7.97% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 1.24% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.34% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.78% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.78% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.14% |
| Q3 2024 | -0.10% |
| Q4 2024 | -0.05% |
| Q1 2025 | -0.19% |
| Q2 2025 | 0.07% |
| Q3 2025 | -0.03% |
| Q4 2025 | 0.12% |
| Q1 2026 | -0.04% |
| Q2 2026 | 0.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $198.6M | 7.97% | 0.78% | 0.31% | 88.4% |
| Q1 2026 | 50 | $198.4M | 8.03% | 0.73% | -0.04% | 86.0% |
| Q4 2025 | 51 | $198.6M | 8.01% | 0.78% | 0.12% | 86.7% |
| Q3 2025 | 49 | $196.2M | 7.91% | 0.83% | -0.03% | 78.4% |
| Q2 2025 | 56 | $198.1M | 8.38% | 0.34% | 0.07% | 80.4% |
| Q1 2025 | 53 | $182.7M | 8.72% | 0.58% | -0.19% | 75.8% |
| Q4 2024 | 51 | $174.0M | 8.82% | 0.89% | -0.05% | 73.6% |
| Q3 2024 | 48 | $179.9M | 8.92% | 1.24% | -0.10% | 70.9% |
| Q2 2024 | 52 | $177.4M | 8.88% | 0.72% | -0.14% | 79.5% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermilion Valley BankBank Piper City, IL | 96 out of 100, Very strong | $198.2M | 16.7% | 0.03% | vs |
| First National Bank in TaylorvilleBank Taylorville, IL | 92 out of 100, Very strong | $200.1M | 14.4% | 0.00% | vs |
| SmartBiz Bank, National AssociationBank Northbrook, IL | 44 out of 100, Below average | $200.8M | 8.4% | 1.49% | vs |
| Frederick Community Bank, TheBank Paxton, IL | 84 out of 100, Strong | $196.1M | 10.4% | 0.00% | vs |
| First Community Bank and TrustBank Beecher, IL | 91 out of 100, Very strong | $201.7M | 13.5% | 0.00% | vs |
| Central Federal Savings and Loan AssociationBank Cicero, IL | 61 out of 100, Moderate | $194.6M | 10.3% | 0.65% | vs |
Deposit insurance
Is my money safe at Fidelity Bank?
Yes. Fidelity Bank is an FDIC-insured institution (FDIC certificate #5753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.2% of deposits ($38.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.78% (benchmark: 10%).
6 locations
Branches
Fidelity Bank lists 6 offices in 6 cities across 2 states. Most locations:
- Cambridge, IA (1)
- Huxley, IA (1)
- Mount Carroll, IL (1)
- Savanna, IL (1)
- Thompson, IL (1)
- West Des Moines, IA (1)
HMDA 2025
Mortgage lending
In 2025, Fidelity Bank reported 423 home-loan applications under HMDA (LEI 254900WMFKWPLR3B4U63): 336 originated ($99,930,000 total), 9 denied, and 72 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.6%, 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
- Thomson State Bank; Savanna-Thomson State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 5753
- RSSD ID
- 597041
- Primary regulator
- FDIC
- Holding company
- Savanna-Thomson Investment Inc
- Established
- January 1, 1920
- Headquarters
- 302 Main St, Savanna, IL 61074
- Website
- www.fidelity-bank.com
- Employees
- 57
Quick answers
Fidelity Bank: common questions
Is Fidelity Bank FDIC insured?
Yes. Fidelity Bank is an FDIC-insured institution (FDIC certificate #5753). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fidelity Bank's TellerScore?
52 out of 100 (Below average), 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 #5753 in the FDIC failed bank list.
How many branches does Fidelity Bank have?
6 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Savanna
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bellevue State BankBank Bellevue, IA | 92 out of 100, Very strong | $187.7M | 14.3% | 0.16% | vs |
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Maquoketa State BankBank Maquoketa, IA | 86 out of 100, Very strong | $429.0M | 16.4% | 0.52% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| Exchange State BankBank Lanark, IL | 83 out of 100, Strong | $112.7M | 11.5% | 0.05% | vs |
| 1st Gateway Credit UnionCredit union Camanche, IA | 80 out of 100, Strong | $170.9M | 14.1% | 0.35% | vs |