TellerScore

Headquartered in Wichita, Kansas, Fidelity Bank, National Association is a national bank with $3.3B in total assets and $2.6B in deposits as of Q2 2026. It operates 16 offices across 2 states. Its charter dates back to 1956.

Fidelity Bank, National Association has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 165th. Problem-loan coverage contributes the most (78/100, 10.9%); funding & liquidity contributes the least (35/100, 99% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.99%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.75%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity35/100
Loans ÷ deposits and uninsured-deposit share: 99.1% · 38.8% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 10.90%

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 3 points (63 → 60), mostly because the loan quality component weakened by 14 points.

TellerScore
515763Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202457
Q3 202451
Q4 202460
Q1 202563
Q2 202563
Q3 202561
Q4 202562
Q1 202659
Q2 202660
Tier 1 leverage ratio
5.00%7.50%9.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.66%
Q3 20249.81%
Q4 20249.92%
Q1 20259.98%
Q2 20259.87%
Q3 20259.92%
Q4 20259.95%
Q1 20269.92%
Q2 20269.99%
Noncurrent loans
0.32%0.78%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.53%
Q3 20241.23%
Q4 20240.42%
Q1 20250.36%
Q2 20250.32%
Q3 20250.52%
Q4 20250.49%
Q1 20260.82%
Q2 20260.75%
Return on assets
0.43%0.80%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.43%
Q3 20240.48%
Q4 20240.58%
Q1 20250.90%
Q2 20250.94%
Q3 20250.91%
Q4 20250.99%
Q1 20261.05%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$3.3B9.99%0.75%1.16%99.1%
Q1 202659$3.3B9.92%0.82%1.05%98.0%
Q4 202562$3.3B9.95%0.49%0.99%99.8%
Q3 202561$3.3B9.92%0.52%0.91%101.4%
Q2 202563$3.3B9.87%0.32%0.94%93.7%
Q1 202563$3.2B9.98%0.36%0.90%95.0%
Q4 202460$3.2B9.92%0.42%0.58%94.6%
Q3 202451$3.2B9.81%1.23%0.48%100.0%
Q2 202457$3.2B9.66%0.53%0.43%100.8%

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).

Capital ratio9.99%
37th
Total risk-based capital12.16%
34th
Problem loans0.75%
36th
Net charge-offs-0.07%
98th
Return on assets1.16%
42nd
Net interest margin3.99%
67th
Efficiency ratio63.7%
35th
Loans to deposits99.1%
16th
Uninsured deposits38.8%
30th
Loan-loss reserves1.32%
73rd
Texas ratio10.9%
15th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Emprise BankBank Wichita, KS66 out of 100, Moderate$2.8B7.7%0.37%vs
Security Bank of Kansas CityBank Kansas City, KS85 out of 100, Very strong$3.9B12.8%0.03%vs
KS StateBankBank Manhattan, KS64 out of 100, Moderate$2.6B13.0%2.49%vs
Community National Bank & TrustBank Chanute, KS65 out of 100, Moderate$2.5B9.0%0.80%vs
Landmark National BankBank Manhattan, KS62 out of 100, Moderate$1.6B10.2%1.18%vs
Peoples Bank and Trust CompanyBank Mcpherson, KS61 out of 100, Moderate$1.6B9.3%0.92%vs

Deposit insurance

Is my money safe at Fidelity Bank, National Association?

Yes. Fidelity Bank, National Association is an FDIC-insured institution (FDIC certificate #30895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.8% of deposits ($1.0B) 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 9.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.16% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Fidelity Bank, National Association lists 16 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fidelity Bank, National Association reported 1,499 home-loan applications under HMDA (LEI 549300L9MOPDT0NKE883): 980 originated ($237,080,000 total), 326 denied, and 192 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.9%, 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, National Association
Former names
Fidelity Bank; Fidelity Savings Association of Kansas; Fidelity Savings Bank
Type
National bank
FDIC certificate #
30895
RSSD ID
762474
Primary regulator
OCC
Holding company
Fidelity Financial Corp
Established
January 1, 1956
Headquarters
100 E English St, Wichita, KS 67202
Employees
397

Quick answers

Fidelity Bank, National Association: common questions

Is Fidelity Bank, National Association FDIC insured?

Yes. Fidelity Bank, National Association is an FDIC-insured institution (FDIC certificate #30895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Fidelity Bank, National Association's TellerScore?

60 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, National Association ever failed?

There is no failure record for FDIC certificate #30895 in the FDIC failed bank list.

How many branches does Fidelity Bank, National Association have?

16 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Wichita

InstitutionScoreAssetsCapitalProblem loansCompare
Garden Plain State BankBank Wichita, KS88 out of 100, Very strong$191.5M15.2%0.94%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs
The Valley State BankBank Belle Plaine, KS78 out of 100, Strong$200.5M12.2%0.09%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
The First National Bank of HutchinsonBank Hutchinson, KS78 out of 100, Strong$1.2B11.5%0.33%vs