Fidelity Bank & Trust

4250 Asbury Road
Dubuque, IA 52002

Notable Rates APY Vs.Others
Savings 0.05% 2.25% →
1-Year CD 0.70% 2.25% →
2-Year CD 0.90% 2.65% →
5-Year CD 1.76% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Fidelity Bank & Trust is an FDIC insured institution located in Dubuque, IA. It was founded in 1910 and has approximately $0.83 billion in assets. Customers can open an account at one of its 20 branches.

FDIC Insured Yes
FDIC Certificate # 14382
Date Established 1910
Assets $0.83 billion
Loans $0.62 billion
Deposits $0.71 billion
Capital $0.10 billion
 

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

Deposit Rates - December 15, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.05% $1 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.15% $100,000 - Learn MoreShow Less
6 Mo CD
0.35% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.40% $100,000 - Learn MoreShow Less
Special: 8 Mo CD
1.46% $500 $99,999 Learn MoreShow Less
Special: 8 Mo CD
1.56% $100,000 - Learn MoreShow Less
0.65% $500 $99,999 Learn MoreShow Less
12 Mo CD
0.70% $100,000 - Learn MoreShow Less
Special: 16 Mo CD
1.61% $500 $99,999 Learn MoreShow Less
Special: 16 Mo CD
1.71% $100,000 - Learn MoreShow Less
0.75% $500 $99,999 Learn MoreShow Less
18 Mo CD
0.85% $100,000 - Learn MoreShow Less
24 Mo CD
0.85% $500 $99,999 Learn MoreShow Less
24 Mo CD
0.90% $100,000 - Learn MoreShow Less
30 Mo CD
0.95% $500 $99,999 Learn MoreShow Less
36 Mo CD
1.05% $500 $99,999 Learn MoreShow Less
36 Mo CD
1.16% $100,000 - Learn MoreShow Less
Special: 48 Mo CD
2.06% $500 $99,999 Learn MoreShow Less
2.06% $500 $99,999 Learn MoreShow Less
Special: 48 Mo CD
2.16% $100,000 - Learn MoreShow Less
48 Mo CD
2.16% $100,000 - Learn MoreShow Less
60 Mo CD
1.66% $500 $99,999 Learn MoreShow Less
60 Mo CD
1.76% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.65% $500 $99,999 Learn MoreShow Less
Special: 8 Mo FIRA
1.46% $500 $99,999 Learn MoreShow Less
Special: 8 Mo FIRA
1.56% $100,000 - Learn MoreShow Less
Special: 16 Mo FIRA
1.61% $500 $99,999 Learn MoreShow Less
Special: 16 Mo FIRA
1.71% $100,000 - Learn MoreShow Less
Special: 48 Mo FIRA
2.06% $500 $99,999 Learn MoreShow Less
Special: 48 Mo FIRA
2.16% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.90% $1 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $24,999 Learn MoreShow Less

Loan Rates - December 15, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Fidelity Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% -0.13 ($222) $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Fidelity Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

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

Your Location:
Seattle,Washington


Fidelity Bank & Trust Locations


Financial Details

Fidelity Bank & Trust Ratio Analysis

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

Texas Ratio
Fidelity Bank & Trust U.S. Bank Average
4.22% 6.77%

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 June 30, 2019, Fidelity Bank & Trust had $3,764,000 in non-current loans and $633,000 in owned real estate. To cover these potential losses it had $95,281,000 in equity and $8,987,000 in loans loss reserves. That gives it a Texas Ratio of 4.22%.

Return on Equity
Fidelity Bank & Trust U.S. Bank Average
9.5% 9.50%

Fidelity Bank & Trust has a Return on Equity of 9.5% versus the BestCashCow average of 9.50%. 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.

Capitalization
Fidelity Bank & Trust U.S. Bank Average
11.45% 12.76%

Fidelity Bank & Trust has a Capitalization of 11.45% versus the BestCashCow average of 12.76. 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 & Trust Balance Sheet Analysis

As of June 30, 2019, Fidelity Bank & Trust had assets of $832,233,000, loans of $617,988,000, and deposits of $713,561,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.03 billion
Total securities $0.09 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.62 billion
Loan loss allowance $0.01 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 $0.02 billion
All other assets $0.04 billion
     Total Assets $0.74 billion
LIABILITIES
Total deposits $0.71 billion
      Interest-bearing deposits $0.63 billion
      Deposits held in domestic offices $0.71 billion
      % insured (estimated) 79.03%
Federal funds purchased and repurchase agreements $0.02 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.74 billion
      Shareholders’ Equity $0.10 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Bank Loan Profile?

The top three loan types in Fidelity Bank & Trust’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Fidelity Bank & Trust’s loan portfolio does not show any specific loan specialty.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.34
Multifamily
Mortgages
4.45
Credit Card Loans 0.00
Consumer Auto Loans 1.13
Small Business Loans 8.15
Construction and Development Loans 2.02
Commercial Real Estate 15.30
Commercial and Industrial Loans 19.01
Farm Loans 22.43

Frequently Asked Questions About Fidelity Bank & Trust

Branches and Savings

Is Fidelity Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #14382.

Why does Fidelity Bank & Trust 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 & Trust CD rates not competitive?

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

Is Fidelity Bank & Trust a commercial bank?

Yes

Where are Fidelity Bank & Trust locations?

See branch locations nearby.

Is Fidelity Bank & Trust open on Saturdays?

Is Fidelity Bank & Trust open on Sundays?

What time does Fidelity Bank & Trust open?

What time does Fidelity Bank & Trust close?

Are Fidelity Bank & Trust ATMs Open 24/7?

Do Fidelity Bank & Trust ATMs accept cash deposits?

Can Fidelity Bank & Trust customers use other ATMs?

Do Fidelity Bank & Trust branches have notaries?

Will Fidelity Bank & Trust notarize my document?

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

Will the Fidelity Bank & Trust branch print checks?

Do Fidelity Bank & Trust checks expire?

Does Fidelity Bank & Trust require US citizenship to open account?

Can Fidelity Bank & Trust close my account?

Does Fidelity Bank & Trust Report to credit bureaus?

Does Fidelity Bank & Trust Use Equifax?

What is Fidelity Bank & Trust's ACH Routing Number?

What is Fidelity Bank & Trust's SWIFT code?

Products

Does Fidelity Bank & Trust offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Fidelity Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Fidelity Bank & Trust offer student loans?

Will Fidelity Bank & Trust cash a check?

Will Fidelity Bank & Trust redeem a savings bond?

Does Fidelity Bank & Trust cash savings bonds?

Will Fidelity Bank & Trust cash money orders?

Can Fidelity Bank & Trust issue a money order?

Does Fidelity Bank & Trust do currency exchange?

Background on The Bank

Who owns Fidelity Bank & Trust?

How long has Fidelity Bank & Trust been around?

Can Fidelity Bank & Trust transfer to other banks?

Does Fidelity Bank & Trust have quick pay?

Does Fidelity Bank & Trust accept rolled coins?

Will Fidelity Bank & Trust accept loose change?

Where is Fidelity Bank & Trust headquarters?

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