Fidelity Bank of Texas (FDIC certificate #21455) is based in Waco, Texas. Its Q2 2026 call report shows $162.8M in total assets and $132.5M in deposits and 2 offices.
Fidelity Bank of Texas has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 295th. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (0/100, -0.55%).
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 17 points (78 → 61), mostly because the earnings component weakened by 38 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 78 |
| Q4 2024 | 74 |
| Q1 2025 | 77 |
| Q2 2025 | 78 |
| Q3 2025 | 41 |
| Q4 2025 | 44 |
| Q1 2026 | 58 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.11% |
| Q3 2024 | 12.83% |
| Q4 2024 | 12.72% |
| Q1 2025 | 12.97% |
| Q2 2025 | 13.07% |
| Q3 2025 | 11.92% |
| Q4 2025 | 11.58% |
| Q1 2026 | 10.90% |
| Q2 2026 | 10.65% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 4.92% |
| Q4 2025 | 4.78% |
| Q1 2026 | 0.69% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.21% |
| Q4 2024 | -0.07% |
| Q1 2025 | 0.36% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.23% |
| Q4 2025 | 0.65% |
| Q1 2026 | -0.38% |
| Q2 2026 | -0.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $162.8M | 10.65% | 0.05% | -0.55% | 82.3% |
| Q1 2026 | 58 | $165.4M | 10.90% | 0.69% | -0.38% | 76.2% |
| Q4 2025 | 44 | $157.0M | 11.58% | 4.78% | 0.65% | 83.0% |
| Q3 2025 | 41 | $147.8M | 11.92% | 4.92% | 0.23% | 86.8% |
| Q2 2025 | 78 | $137.5M | 13.07% | 0.00% | 0.46% | 86.7% |
| Q1 2025 | 77 | $127.0M | 12.97% | 0.00% | 0.36% | 83.9% |
| Q4 2024 | 74 | $126.8M | 12.72% | 0.00% | -0.07% | 75.7% |
| Q3 2024 | 78 | $126.9M | 12.83% | 0.00% | 0.21% | 68.7% |
| Q2 2024 | 81 | $122.2M | 13.11% | 0.00% | 0.32% | 62.0% |
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Big Bend Banks, N.A.Bank Marfa, TX | 95 out of 100, Very strong | $165.4M | 16.2% | 0.00% | vs |
| Normangee State BankBank Normangee, TX | 86 out of 100, Very strong | $165.5M | 14.7% | 0.03% | vs |
| Fannin BankBank Bonham, TX | 65 out of 100, Moderate | $159.1M | 8.6% | 1.04% | vs |
| The First National Bank of QuitaqueBank Quitaque, TX | 65 out of 100, Moderate | $167.1M | 10.6% | 1.71% | vs |
| The First National Bank of WinnsboroBank Winnsboro, TX | 86 out of 100, Very strong | $158.2M | 22.7% | 1.10% | vs |
| The First National Bank of Eagle LakeBank Eagle Lake, TX | 60 out of 100, Moderate | $167.7M | 11.4% | 2.25% | vs |
Deposit insurance
Is my money safe at Fidelity Bank of Texas?
Yes. Fidelity Bank of Texas is an FDIC-insured institution (FDIC certificate #21455). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.6% of deposits ($39.2M) 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 10.65%, 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%).
2 locations
Branches
Fidelity Bank of Texas lists 2 offices in 2 cities. Most locations:
- Robinson, TX (1)
- Waco, TX (1)
Identity & history
Profile
- Legal name
- Fidelity Bank of Texas
- Former names
- Robinson State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 21455
- RSSD ID
- 741068
- Primary regulator
- FED
- Holding company
- Fidelity Bancshares Inc
- Established
- March 1, 1974
- Headquarters
- 1901 Lake Shore Dr, Waco, TX 76708
- Website
- www.fbot.com
- Employees
- 38
Quick answers
Fidelity Bank of Texas: common questions
Is Fidelity Bank of Texas FDIC insured?
Yes. Fidelity Bank of Texas is an FDIC-insured institution (FDIC certificate #21455). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fidelity Bank of Texas's TellerScore?
61 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 of Texas ever failed?
There is no failure record for FDIC certificate #21455 in the FDIC failed bank list.
How many branches does Fidelity Bank of Texas have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Waco
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Educators Credit UnionCredit union Waco, TX | 99 out of 100, Very strong | $609.5M | 20.3% | 0.17% | vs |
| Genco Federal Credit UnionCredit union Waco, TX | 96 out of 100, Very strong | $494.7M | 14.3% | 0.19% | vs |
| Matagorda County Credit UnionCredit union Bay City, TX | 94 out of 100, Very strong | $36.2M | 17.4% | 0.31% | vs |
| Acadiana Medical Federal Credit UnionCredit union Lafayette, LA | 92 out of 100, Very strong | $13.5M | 25.5% | 0.00% | vs |
| The First National Bank of MoodyBank Moody, TX | 92 out of 100, Very strong | $54.2M | 18.3% | 0.00% | vs |
| Community Bank & Trust, Waco, TexasBank Waco, TX | 90 out of 100, Very strong | $649.1M | 15.5% | 0.21% | vs |