Side-by-side · Q2 2026 data
The Fidelity Bank vs Carter Bank & Trust
Metric by metric
| Measure | The Fidelity Bank | Carter Bank & Trust |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 65 | 67 (stronger) |
| Loan quality | 86 (stronger) | 66 |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 65 | 70 (stronger) |
| Problem-loan coverage | 94 (stronger) | 86 |
| Peer percentile | 86th | 80th |
| Total assets | $4.7B | $4.8B |
| Deposits / shares | $4.2B | $4.2B |
| Capital ratio | 11.47% | 11.73% (stronger) |
| Problem loans | 0.42% (stronger) | 1.01% |
| Net charge-offs | 0.06% | -0.82% (stronger) |
| Return on assets | 1.73% | 3.66% (stronger) |
| Loans ÷ deposits | 69.2% (stronger) | 87.7% |
| Uninsured deposits | 38.2% | 17.7% (stronger) |
| Offices | 57 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 28.0% |
The Fidelity Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Fidelity Bank leads on 3 and Carter Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.