TellerScore

The Fidelity Bank is a state-chartered bank headquartered in Fuquay Varina, North Carolina, in business for about 117 years. At the end of Q2 2026 it reported $4.7B in total assets and $4.2B in deposits, with 58 offices across 4 states.

Based on its Q2 2026 filing, The Fidelity Bank scores 78/100, which we describe as strong. That is higher than 86% of 897 banks with $1 billion – $10 billion. Among 38 banks headquartered in North Carolina, it ranks 12th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is funding & liquidity (65/100; 69% loans-to-deposits, 38% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.47%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.42%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 69.2% · 38.2% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.80%

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 5 points (73 → 78), mostly because the capital cushion component improved by 9 points.

TellerScore
707478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202471
Q1 202574
Q2 202573
Q3 202574
Q4 202578
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%8.24%11.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.93%
Q3 202410.14%
Q4 202410.13%
Q1 202510.50%
Q2 202510.62%
Q3 202510.68%
Q4 202510.94%
Q1 202611.30%
Q2 202611.47%
Noncurrent loans
0.27%0.46%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.64%
Q3 20240.65%
Q4 20240.59%
Q1 20250.44%
Q2 20250.56%
Q3 20250.64%
Q4 20250.27%
Q1 20260.38%
Q2 20260.42%
Return on assets
1.53%1.63%1.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.53%
Q3 20241.58%
Q4 20241.60%
Q1 20251.59%
Q2 20251.63%
Q3 20251.69%
Q4 20251.74%
Q1 20261.72%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$4.7B11.47%0.42%1.73%69.2%
Q1 202678$4.5B11.30%0.38%1.72%70.6%
Q4 202578$4.4B10.94%0.27%1.74%71.4%
Q3 202574$4.5B10.68%0.64%1.69%68.2%
Q2 202573$4.3B10.62%0.56%1.63%70.5%
Q1 202574$4.2B10.50%0.44%1.59%69.8%
Q4 202471$4.0B10.13%0.59%1.60%71.4%
Q3 202471$4.0B10.14%0.65%1.58%69.5%
Q2 202470$3.9B9.93%0.64%1.53%69.9%

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 ratio11.47%
69th
Total risk-based capital17.81%
86th
Problem loans0.42%
58th
Net charge-offs0.06%
40th
Return on assets1.73%
80th
Net interest margin4.06%
72nd
Efficiency ratio51.5%
73rd
Loans to deposits69.2%
85th
Uninsured deposits38.2%
32nd
Loan-loss reserves1.26%
66th
Texas ratio2.8%
59th

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
HomeTrust BankBank Asheville, NC68 out of 100, Moderate$4.4B12.9%1.40%vs
Southern Bank and Trust CompanyBank Mount Olive, NC70 out of 100, Strong$5.3B9.6%0.12%vs
First Carolina BankBank Rocky Mount, NC66 out of 100, Moderate$3.4B11.4%0.81%vs
Peoples BankBank Newton, NC75 out of 100, Strong$1.8B11.5%0.41%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs
North State BankBank Raleigh, NC61 out of 100, Moderate$1.5B8.5%0.17%vs

Deposit insurance

Is my money safe at The Fidelity Bank?

Yes. The Fidelity Bank is an FDIC-insured institution (FDIC certificate #11507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.2% of deposits ($1.6B) 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 11.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.81% (benchmark: 10%).

Check how much of your own balance is covered

58 locations

Branches

The Fidelity Bank lists 57 offices in 51 cities across 4 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Fidelity Bank reported 1,582 home-loan applications under HMDA (LEI 25490012KFFZI81TDT02): 1,177 originated ($343,645,000 total), 216 denied, and 109 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.7%, 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
The Fidelity Bank
Former names
Bank of Fuquay
Type
State-chartered bank
FDIC certificate #
11507
RSSD ID
584920
Primary regulator
FDIC
Holding company
Fidelity Bancshares N C Inc
Established
January 1, 1909
Headquarters
100 S Main St, Fuquay Varina, NC 27526
Employees
579

Quick answers

The Fidelity Bank: common questions

Is The Fidelity Bank FDIC insured?

Yes. The Fidelity Bank is an FDIC-insured institution (FDIC certificate #11507). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Fidelity Bank's TellerScore?

78 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 The Fidelity Bank ever failed?

There is no failure record for FDIC certificate #11507 in the FDIC failed bank list.

How many branches does The Fidelity Bank have?

58 offices as of the latest FDIC data, in 4 states.

Nearby

Highest-scoring banks and credit unions with branches near Fuquay Varina

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Farmers & Merchants BankBank Granite Quarry, NC90 out of 100, Very strong$998.8M15.3%0.79%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
Carolinas Telco Federal Credit UnionCredit union Charlotte, NC79 out of 100, Strong$506.3M15.1%0.91%vs
Carter Bank & TrustBank Martinsville, VA76 out of 100, Strong$4.8B11.7%1.01%vs