Side-by-side · Q2 2026 data
Cross Bank vs Fidelity Bank
Metric by metric
| Measure | Cross Bank | Fidelity Bank |
|---|---|---|
| TellerScore | 54 | 78 (stronger) |
| Capital cushion | 55 | 81 (stronger) |
| Loan quality | 18 | 75 (stronger) |
| Earnings | 97 (stronger) | 71 |
| Funding & liquidity | 51 | 75 (stronger) |
| Problem-loan coverage | 62 | 93 (stronger) |
| Peer percentile | 10th | 72nd |
| Total assets | $593.5M | $546.8M |
| Deposits / shares | $480.7M | $496.3M |
| Capital ratio | 10.45% | 13.07% (stronger) |
| Problem loans | 2.47% | 0.74% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.91% (stronger) | 1.28% |
| Loans ÷ deposits | 97.7% | 51.1% (stronger) |
| Uninsured deposits | 26.0% (stronger) | 37.5% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.2% | 6.3% |
Fidelity Bank has the higher TellerScore (78 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Cross Bank leads on 2 and Fidelity Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.