Headquartered in Delaware, Ohio, Fidelity Federal Savings and Loan Association of Delaware is a savings bank with $131.6M in total assets and $99.0M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1887.
Fidelity Federal Savings and Loan Association of Delaware has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 21st. Capital cushion contributes the most (100/100, 17.02%); earnings contributes the least (26/100, 0.16%).
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 rose 4 points (78 → 82), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 80 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 80 |
| Q4 2025 | 78 |
| Q1 2026 | 82 |
| Q2 2026 | 82 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 17.64% |
| Q3 2024 | 17.58% |
| Q4 2024 | 17.44% |
| Q1 2025 | 17.33% |
| Q2 2025 | 17.23% |
| Q3 2025 | 17.16% |
| Q4 2025 | 16.99% |
| Q1 2026 | 17.10% |
| Q2 2026 | 17.02% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.23% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.19% |
| Q3 2024 | -0.12% |
| Q4 2024 | -0.11% |
| Q1 2025 | -0.09% |
| Q2 2025 | -0.06% |
| Q3 2025 | -0.08% |
| Q4 2025 | -0.03% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $131.6M | 17.02% | 0.04% | 0.16% | 81.0% |
| Q1 2026 | 82 | $131.4M | 17.10% | 0.00% | 0.09% | 77.8% |
| Q4 2025 | 78 | $131.0M | 16.99% | 0.36% | -0.03% | 79.8% |
| Q3 2025 | 80 | $132.5M | 17.16% | 0.04% | -0.08% | 78.6% |
| Q2 2025 | 78 | $130.2M | 17.23% | 0.25% | -0.06% | 80.4% |
| Q1 2025 | 78 | $129.2M | 17.33% | 0.26% | -0.09% | 76.9% |
| Q4 2024 | 80 | $128.7M | 17.44% | 0.05% | -0.11% | 77.2% |
| Q3 2024 | 79 | $128.9M | 17.58% | 0.15% | -0.12% | 76.4% |
| Q2 2024 | 78 | $127.6M | 17.64% | 0.23% | -0.19% | 74.3% |
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 Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Baltic State BankBank Baltic, OH | 68 out of 100, Moderate | $129.6M | 7.8% | 0.00% | vs |
| The Farmers and Merchants BankBank Caldwell, OH | 66 out of 100, Moderate | $136.4M | 14.9% | 3.86% | vs |
| The Twin Valley BankBank West Alexandria, OH | 72 out of 100, Strong | $137.6M | 9.2% | 0.08% | vs |
| The Hamler State BankBank Hamler, OH | 76 out of 100, Strong | $125.3M | 14.3% | 1.38% | vs |
| Adelphi BankBank Columbus, OH | 80 out of 100, Strong | $124.5M | 15.8% | 0.00% | vs |
| Woodsfield Savings BankBank Woodsfield, OH | 61 out of 100, Moderate | $123.3M | 8.6% | 0.92% | vs |
Deposit insurance
Is my money safe at Fidelity Federal Savings and Loan Association of Delaware?
Yes. Fidelity Federal Savings and Loan Association of Delaware is an FDIC-insured institution (FDIC certificate #29521). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.2% of deposits ($7.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.02%, 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 Federal Savings and Loan Association of Delaware lists 2 offices in 1 city. Most locations:
- Delaware, OH (2)
HMDA 2025
Mortgage lending
In 2025, Fidelity Federal Savings and Loan Association of Delaware reported 59 home-loan applications under HMDA (LEI 254900STXIE710EZPY52): 39 originated ($10,595,000 total), 6 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.3%, 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 Federal Savings and Loan Association of Delaware
- Former names
- Fidelity Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 29521
- RSSD ID
- 446176
- Primary regulator
- OCC
- Holding company
- Fidelity Fs&la Mhc
- Established
- January 1, 1887
- Headquarters
- 60 N Sandusky St, Delaware, OH 43015
- Website
- www.fidfedsl.com
- Employees
- 18
Quick answers
Fidelity Federal Savings and Loan Association of Delaware: common questions
Is Fidelity Federal Savings and Loan Association of Delaware FDIC insured?
Yes. Fidelity Federal Savings and Loan Association of Delaware is an FDIC-insured institution (FDIC certificate #29521). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fidelity Federal Savings and Loan Association of Delaware's TellerScore?
82 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 Federal Savings and Loan Association of Delaware ever failed?
There is no failure record for FDIC certificate #29521 in the FDIC failed bank list.
How many branches does Fidelity Federal Savings and Loan Association of Delaware have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Delaware
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C E S Credit UnionCredit union Mount Vernon, OH | 91 out of 100, Very strong | $244.3M | 13.1% | 0.16% | vs |
| Abbott Laboratories Credit UnionCredit union Gurnee, IL | 89 out of 100, Very strong | $1.1B | 14.5% | 0.11% | vs |
| State Highway Patrol Federal Credit UnionCredit union Columbus, OH | 88 out of 100, Very strong | $92.2M | 13.5% | 0.06% | vs |
| The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH | 78 out of 100, Strong | $389.9M | 12.6% | 0.01% | vs |
| Southeastern Ohio Credit UnionCredit union Cambridge, OH | 78 out of 100, Strong | $65.4M | 12.1% | 1.03% | vs |
| Pillar Credit UnionCredit union Marion, OH | 76 out of 100, Strong | $134.8M | 11.6% | 0.60% | vs |