Fidelity Bank

100 East English Street
Wichita, KS 67202


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30895
Date Established 1956
Assets $2.33 billion
Loans $1.84 billion
Deposits $1.87 billion
Capital $0.23 billion

Fidelity Bank is an FDIC insured institution located in Wichita, KS. It was founded in 1956 and has approximately $2.33 billion in assets. Customers can open an account at one of its 24 branches.

For a more detailed analysis of Fidelity Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 21, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1 - Learn MoreShow Less
Premium Money Market Account
1.00% $1 $99,999 Learn MoreShow Less
12 Mo CD
2.20% $500 - Learn MoreShow Less
18 Mo CD
2.35% $500 - Learn MoreShow Less
24 Mo CD
2.20% $500 - Learn MoreShow Less
36 Mo CD
2.20% $500 - Learn MoreShow Less
60 Mo CD
2.45% $500 - Learn MoreShow Less

Fixed IRA
2.20% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less
Checking Rates APY MIN FEE
Just Checking Total Relationship 0.00% $0 $9.00 Learn MoreShow Less

Loan Rates - August 21, 2019

Your Current Location: Washington, WA 98101

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.


Fidelity Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Fidelity Bank Locations

Financial Details

Fidelity Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fidelity Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Fidelity Bank U.S. Bank Average
5.11% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, Fidelity Bank had $10,964,000 in non-current loans and $1,551,000 in owned real estate. To cover these potential losses it had $226,562,000 in equity and $18,446,000 in loans loss reserves. That gives it a Texas Ratio of 5.11%.

Return on Equity
Fidelity Bank U.S. Bank Average
4.43% 9.47%

Fidelity Bank has a Return on Equity of 4.43% versus the BestCashCow average of 9.47%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Fidelity Bank U.S. Bank Average
9.72% 12.49%

Fidelity Bank has a Capitalization of 9.72% versus the BestCashCow average of 12.49. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Fidelity Bank Balance Sheet Analysis

As of March 31, 2019, Fidelity Bank had assets of $2,330,194,000, loans of $1,838,816,000, and deposits of $1,869,333,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.01 billion
Total securities $0.26 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.84 billion
Loan loss allowance $0.02 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.05 billion
All other assets $0.09 billion
     Total Assets $2.10 billion
Total deposits $1.87 billion
      Interest-bearing deposits $1.58 billion
      Deposits held in domestic offices $1.87 billion
      % insured (estimated) 63.55%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.22 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $2.10 billion
      Shareholders’ Equity $0.23 billion

Summary Income Statement

March 31, 2019
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Fidelity Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Kansas, Fidelity Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.88
Credit Card Loans 0.00
Consumer Auto Loans 0.36
Small Business Loans 3.69
Construction and Development Loans 7.52
Commercial Real Estate 41.09
Commercial and Industrial Loans 11.40
Farm Loans 0.00

Frequently Asked Questions About Fidelity Bank

Branches and Savings

Is Fidelity Bank FDIC insured?

Yes. It is covered under FDIC Certificate #30895.

Why does Fidelity Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Fidelity Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Fidelity Bank a commercial bank?


Where are Fidelity Bank locations?

See branch locations nearby.

Is Fidelity Bank open on Saturdays?

Is Fidelity Bank open on Sundays?

What time does Fidelity Bank open?

What time does Fidelity Bank close?

Are Fidelity Bank ATMs Open 24/7?

Do Fidelity Bank ATMs accept cash deposits?

Can Fidelity Bank customers use other ATMs?

Do Fidelity Bank branches have notaries?

Will Fidelity Bank notarize my document?

What address for Fidelity Bank should I put for incoming ACH transfers?

Will the Fidelity Bank branch print checks?

Do Fidelity Bank checks expire?

Does Fidelity Bank require US citizenship to open account?

Can Fidelity Bank close my account?

Does Fidelity Bank Report to credit bureaus?

Does Fidelity Bank Use Equifax?

What is Fidelity Bank's ACH Routing Number?

What is Fidelity Bank's SWIFT code?


Does Fidelity Bank offer mortgages?

Compare mortgage rates here.

Does Fidelity Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fidelity Bank offer personal loans?

Compare personal loan rates here.

Does Fidelity Bank offer student loans?

Will Fidelity Bank cash a check?

Will Fidelity Bank redeem a savings bond?

Does Fidelity Bank cash savings bonds?

Will Fidelity Bank cash money orders?

Can Fidelity Bank issue a money order?

Does Fidelity Bank do currency exchange?

Background on The Bank

Who owns Fidelity Bank?

How long has Fidelity Bank been around?

Can Fidelity Bank transfer to other banks?

Does Fidelity Bank have quick pay?

Does Fidelity Bank accept rolled coins?

Will Fidelity Bank accept loose change?

Where is Fidelity Bank headquarters?

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