Fidelity Bank & Trust

Headquarters

4250 Asbury Road
Dubuque, IA 52002
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.20% →
1-Year CD 0.35% 1.10% →
2-Year CD 0.85% 1.15% →
5-Year CD 1.30% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Fidelity Bank & Trust is an FDIC insured institution located in Dubuque, IA. It was founded in 1910 and has approximately $1.36 billion in assets. Customers can open an account at one of its 20 branches.

FDIC Insured Yes
FDIC Certificate # 14382
Date Established 1910
Assets $ 1,360.69 million
Loans $ 914.03 million
Deposits $ 1,165.48 million
Capital $ 171.95 million
 

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 - August 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.30% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
Special: 24 Mo CD
0.75% $500 $99,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
Special: 24 Mo CD
0.85% $100,000 - Learn More
24 Mo CD
0.85% $100,000 $199,999 Learn More
30 Mo CD
0.50% $10,000 $14,999 Learn More
30 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.70% $100,000 $199,999 Learn More
Special: 48 Mo CD
1.10% $500 $99,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
Special: 48 Mo CD
1.20% $100,000 - Learn More
48 Mo CD
1.20% $100,000 $199,999 Learn More
60 Mo CD
1.20% $10,000 $14,999 Learn More
60 Mo CD
1.30% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Special: 24 Mo FIRA
0.75% $500 $99,999 Learn MoreShow Less
Special: 24 Mo FIRA
0.85% $100,000 - Learn MoreShow Less
Special: 48 Mo FIRA
1.10% $500 $99,999 Learn MoreShow Less
Special: 48 Mo FIRA
1.20% $100,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.50% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 4, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.930% 2.875% 0.75 $1,760 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 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:
Fairfield,Connecticut


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
4.18% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, Fidelity Bank & Trust had $6,873,000 in non-current loans and $748,000 in owned real estate. To cover these potential losses it had $171,950,000 in equity and $10,541,000 in loans loss reserves. That gives it a Texas Ratio of 4.18%.

Return on Equity
Fidelity Bank & Trust U.S. Bank Average
10.06% 7.80%

Fidelity Bank & Trust has a Return on Equity of 10.06% versus the BestCashCow average of 7.80%. 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
12.64% 12.68%

Fidelity Bank & Trust has a Capitalization of 12.64% versus the BestCashCow average of 12.68. 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 March 31, 2020, Fidelity Bank & Trust had assets of $1,360,691,000, loans of $914,030,000, and deposits of $1,165,482,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 88.57 million
Interest-bearing balances $ 70.06 million
Total securities $ 210.22 million
Federal funds sold and reverse repurchase $ 36.28 million
Net loans and leases $ 914.03 million
Loan loss allowance $ 10.54 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.75 million
Goodwill and other intangibles $ 47.38 million
All other assets $ 45.31 million
     Total Assets $ 1,188.74 million
LIABILITIES
Total deposits $ 1,165.48 million
      Interest-bearing deposits $ 1,000.55 million
      Deposits held in domestic offices $ 1,165.48 million
      % insured (estimated) 78.58%
Federal funds purchased and repurchase agreements $ 16.77 million
Trading liabilities N.A.
Other borrowed funds $ 1.86 million
Subordinated debt N.A.
All other liabilities $ 4.63 million
      Total Liabilities $ 1,188.74 million
      Shareholders’ Equity $ 171.95 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 12.61 million
Total Interest Expense $ 2.60 million
Net interest income $ 10.00 million
Provision for loan and lease losses $ 0.30 million
Total non interest income $ 1.33 million
Total non interest expense $ 6.85 million
Pre-tax Net Operating Income $ 4.19 million

Bank Loan Profile?

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

Compared to other banks in Iowa, Fidelity Bank & Trust has a significantly higher percent of Small Business Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.15
Multifamily
Mortgages
3.10
Credit Card Loans 0.00
Consumer Auto Loans 1.65
Small Business Loans 7.00
Construction and Development Loans 1.05
Commercial Real Estate 13.29
Commercial and Industrial Loans 15.54
Farm Loans 22.66

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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