Fidelity Federal Savings and Loan Association of Delaware

Headquarters

60 North Sandusky St
Delaware, OH 43015
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.00% →
1-Year CD 0.65% 0.95% →
2-Year CD 0.80% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Fidelity Federal Savings and Loan Association of Delaware is an FDIC insured institution located in Delaware, OH. It was founded in 1887 and has approximately $0.11 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 29521
Date Established 1887
Assets $ 106.44 million
Loans $ 52.69 million
Deposits $ 84.12 million
Capital $ 22.17 million
 

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

Deposit Rates - October 19, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.80% $100,000 $199,999 Learn More
30 Mo CD
0.85% $10,000 $14,999 Learn More
30 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 19, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Fidelity Federal Savings and Loan Association of Delaware

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
2.574% 2.500% 1.00 $2,445 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Fidelity Federal Savings and Loan Association of Delaware
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Branches

Fidelity Federal Savings and Loan Association of Delaware 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 Federal Savings and Loan Association of Delaware Locations


Financial Details

Fidelity Federal Savings and Loan Association of Delaware Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fidelity Federal Savings and Loan Association of Delaware. 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 Federal Savings and Loan Association of Delaware U.S. Bank Average
0.08% 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 Federal Savings and Loan Association of Delaware had $19,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $22,167,000 in equity and $277,000 in loans loss reserves. That gives it a Texas Ratio of 0.08%.

Return on Equity
Fidelity Federal Savings and Loan Association of Delaware U.S. Bank Average
-0.2% 7.80%

Fidelity Federal Savings and Loan Association of Delaware has a Return on Equity of -0.2% 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 Federal Savings and Loan Association of Delaware U.S. Bank Average
20.83% 12.68%

Fidelity Federal Savings and Loan Association of Delaware has a Capitalization of 20.83% 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 Federal Savings and Loan Association of Delaware Balance Sheet Analysis

As of March 31, 2020, Fidelity Federal Savings and Loan Association of Delaware had assets of $106,441,000, loans of $52,689,000, and deposits of $84,118,000. 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 $ 8.77 million
Interest-bearing balances $ 7.49 million
Total securities $ 40.77 million
Federal funds sold and reverse repurchase $ 0.28 million
Net loans and leases $ 52.69 million
Loan loss allowance $ 0.28 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.01 million
All other assets $ 1.91 million
     Total Assets $ 84.27 million
LIABILITIES
Total deposits $ 84.12 million
      Interest-bearing deposits $ 81.31 million
      Deposits held in domestic offices $ 84.12 million
      % insured (estimated) 96.17%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.16 million
      Total Liabilities $ 84.27 million
      Shareholders’ Equity $ 22.17 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.90 million
Total Interest Expense $ 0.14 million
Net interest income $ 0.76 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.04 million
Total non interest expense $ 0.84 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Fidelity Federal Savings and Loan Association of Delaware’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Ohio, Fidelity Federal Savings and Loan Association of Delaware has a significantly higher percent of 1-4 Family Residential Loans, 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 74.47
Multifamily
Mortgages
4.16
Credit Card Loans 0.00
Consumer Auto Loans 0.66
Small Business Loans 10.73
Construction and Development Loans 4.15
Commercial Real Estate 12.89
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Fidelity Federal Savings And Loan Association Of Delaware

Branches and Savings

Is Fidelity Federal Savings And Loan Association Of Delaware FDIC insured?

Yes. It is covered under FDIC Certificate #29521.

Why does Fidelity Federal Savings And Loan Association Of Delaware pay such low interest on savings accounts?

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

Why are Fidelity Federal Savings And Loan Association Of Delaware CD rates not competitive?

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

Is Fidelity Federal Savings And Loan Association Of Delaware a commercial bank?

Yes

Where are Fidelity Federal Savings And Loan Association Of Delaware locations?

See branch locations nearby.

Is Fidelity Federal Savings And Loan Association Of Delaware open on Saturdays?

Is Fidelity Federal Savings And Loan Association Of Delaware open on Sundays?

What time does Fidelity Federal Savings And Loan Association Of Delaware open?

What time does Fidelity Federal Savings And Loan Association Of Delaware close?

Are Fidelity Federal Savings And Loan Association Of Delaware ATMs Open 24/7?

Do Fidelity Federal Savings And Loan Association Of Delaware ATMs accept cash deposits?

Can Fidelity Federal Savings And Loan Association Of Delaware customers use other ATMs?

Do Fidelity Federal Savings And Loan Association Of Delaware branches have notaries?

Will Fidelity Federal Savings And Loan Association Of Delaware notarize my document?

What address for Fidelity Federal Savings And Loan Association Of Delaware should I put for incoming ACH transfers?

Will the Fidelity Federal Savings And Loan Association Of Delaware branch print checks?

Do Fidelity Federal Savings And Loan Association Of Delaware checks expire?

Does Fidelity Federal Savings And Loan Association Of Delaware require US citizenship to open account?

Can Fidelity Federal Savings And Loan Association Of Delaware close my account?

Does Fidelity Federal Savings And Loan Association Of Delaware Report to credit bureaus?

Does Fidelity Federal Savings And Loan Association Of Delaware Use Equifax?

What is Fidelity Federal Savings And Loan Association Of Delaware's ACH Routing Number?

What is Fidelity Federal Savings And Loan Association Of Delaware's SWIFT code?

Products

Does Fidelity Federal Savings And Loan Association Of Delaware offer mortgages?

Compare mortgage rates here.

Does Fidelity Federal Savings And Loan Association Of Delaware offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fidelity Federal Savings And Loan Association Of Delaware offer personal loans?

Compare personal loan rates here.

Does Fidelity Federal Savings And Loan Association Of Delaware offer student loans?

Will Fidelity Federal Savings And Loan Association Of Delaware cash a check?

Will Fidelity Federal Savings And Loan Association Of Delaware redeem a savings bond?

Does Fidelity Federal Savings And Loan Association Of Delaware cash savings bonds?

Will Fidelity Federal Savings And Loan Association Of Delaware cash money orders?

Can Fidelity Federal Savings And Loan Association Of Delaware issue a money order?

Does Fidelity Federal Savings And Loan Association Of Delaware do currency exchange?

Background on The Bank

Who owns Fidelity Federal Savings And Loan Association Of Delaware?

How long has Fidelity Federal Savings And Loan Association Of Delaware been around?

Can Fidelity Federal Savings And Loan Association Of Delaware transfer to other banks?

Does Fidelity Federal Savings And Loan Association Of Delaware have quick pay?

Does Fidelity Federal Savings And Loan Association Of Delaware accept rolled coins?

Will Fidelity Federal Savings And Loan Association Of Delaware accept loose change?

Where is Fidelity Federal Savings And Loan Association Of Delaware headquarters?

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