Headquartered in Dubuque, Iowa, Fidelity Bank & Trust is a state-chartered bank with $2.6B in total assets and $2.1B in deposits as of Q2 2026. It operates 36 offices across 4 states. Its charter dates back to 1910.
Based on its Q2 2026 filing, Fidelity Bank & Trust scores 55/100, which we describe as moderate. That is higher than only 13% of 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 206th. Its strongest component is problem-loan coverage (78/100; 11.2%), and its lowest is capital cushion (40/100; 8.98%).
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 2 points (57 → 55), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 58 |
| Q4 2024 | 59 |
| Q1 2025 | 58 |
| Q2 2025 | 57 |
| Q3 2025 | 66 |
| Q4 2025 | 64 |
| Q1 2026 | 59 |
| Q2 2026 | 55 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.22% |
| Q3 2024 | 9.46% |
| Q4 2024 | 9.35% |
| Q1 2025 | 9.42% |
| Q2 2025 | 9.43% |
| Q3 2025 | 9.37% |
| Q4 2025 | 9.42% |
| Q1 2026 | 8.90% |
| Q2 2026 | 8.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.84% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.97% |
| Q2 2025 | 1.15% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.90% |
| Q2 2026 | 1.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.06% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.30% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $2.6B | 8.98% | 1.26% | 1.30% | 88.6% |
| Q1 2026 | 59 | $2.6B | 8.90% | 0.90% | 1.31% | 86.7% |
| Q4 2025 | 64 | $2.5B | 9.42% | 0.37% | 1.06% | 84.1% |
| Q3 2025 | 66 | $2.1B | 9.37% | 0.15% | 0.98% | 79.7% |
| Q2 2025 | 57 | $2.0B | 9.43% | 1.15% | 0.97% | 78.8% |
| Q1 2025 | 58 | $2.0B | 9.42% | 0.97% | 0.89% | 78.4% |
| Q4 2024 | 59 | $2.0B | 9.35% | 0.75% | 0.67% | 77.1% |
| Q3 2024 | 58 | $1.9B | 9.46% | 0.75% | 0.58% | 76.5% |
| Q2 2024 | 56 | $1.9B | 9.22% | 0.84% | 0.50% | 75.8% |
897 peers · $1 billion – $10 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 Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Bank of IowaBank Ida Grove, IA | 73 out of 100, Strong | $2.5B | 10.3% | 0.26% | vs |
| Quad City Bank and Trust CompanyBank Bettendorf, IA | 70 out of 100, Strong | $2.8B | 11.0% | 0.51% | vs |
| Bank IowaBank West Des Moines, IA | 54 out of 100, Below average | $2.3B | 8.9% | 1.38% | vs |
| Luana Savings BankBank Luana, IA | 70 out of 100, Strong | $2.3B | 9.7% | 0.11% | vs |
| Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA | 87 out of 100, Very strong | $2.9B | 16.9% | 0.54% | vs |
| Central BankBank Storm Lake, IA | 65 out of 100, Moderate | $2.3B | 10.1% | 0.32% | vs |
Deposit insurance
Is my money safe at Fidelity Bank & Trust?
Yes. Fidelity Bank & Trust is an FDIC-insured institution (FDIC certificate #14382). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 41.0% of deposits ($874.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.98%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.72% (benchmark: 10%).
36 locations
Branches
Fidelity Bank & Trust lists 36 offices in 35 cities across 4 states. Most locations:
- Dubuque, IA (2)
- Anamosa, IA (1)
- Bancroft, IA (1)
- Bellevue, IA (1)
- Calmar, IA (1)
- Cascade, IA (1)
- Charles City, IA (1)
- Clarence, IA (1)
- Deep River, IA (1)
- Dike, IA (1)
- Dyersville, IA (1)
- East Dubuque, IL (1)
HMDA 2025
Mortgage lending
In 2025, Fidelity Bank & Trust reported 828 home-loan applications under HMDA (LEI 549300P8W7NTNS3TVK84): 758 originated ($157,740,000 total), 36 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.5%, 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 & Trust
- Former names
- The Luxemburg Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14382
- RSSD ID
- 939249
- Primary regulator
- FDIC
- Holding company
- Fidelity Co
- Established
- April 20, 1910
- Headquarters
- 4250 Asbury Rd, Dubuque, IA 52002
- Employees
- 291
Quick answers
Fidelity Bank & Trust: common questions
Is Fidelity Bank & Trust FDIC insured?
Yes. Fidelity Bank & Trust is an FDIC-insured institution (FDIC certificate #14382). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fidelity Bank & Trust's TellerScore?
55 out of 100 (Moderate), 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 & Trust ever failed?
There is no failure record for FDIC certificate #14382 in the FDIC failed bank list.
How many branches does Fidelity Bank & Trust have?
36 offices as of the latest FDIC data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Dubuque
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dubuque Postal Employees Credit UnionCredit union Dubuque, IA | 92 out of 100, Very strong | $4.3M | 15.3% | 0.00% | vs |
| Bellevue State BankBank Bellevue, IA | 92 out of 100, Very strong | $187.7M | 14.3% | 0.16% | vs |
| Mound City BankBank Platteville, WI | 86 out of 100, Very strong | $550.7M | 13.1% | 0.11% | vs |
| Conservation First BankBank Benton, WI | 82 out of 100, Strong | $127.5M | 14.0% | 0.74% | vs |
| Peoples State BankBank Prairie Du Chien, WI | 80 out of 100, Strong | $993.0M | 11.5% | 0.21% | vs |
| Aim Credit UnionCredit union Dubuque, IA | 79 out of 100, Strong | $201.2M | 13.1% | 0.60% | vs |