Fidelity Federal Savings and Loan Association of Delaware

60 North Sandusky St
Delaware, OH 43015

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 29521
Date Established 1887
Assets $0.10 billion
Loans $0.05 billion
Deposits $0.08 billion
Capital $0.02 billion

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 $0.1 billion in assets. Customers can open an account at one of its 2 branches.

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 - August 20, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $24,999 Learn MoreShow Less
Money Market
0.55% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $2,500 - Learn MoreShow Less
6 Mo CD
0.75% $2,500 - Learn MoreShow Less
12 Mo CD
1.51% $500 - Learn MoreShow Less
18 Mo CD
1.66% $500 - Learn MoreShow Less
Special: 24 Mo CD
2.12% $500 - Learn MoreShow Less
24 Mo CD
2.12% $500 - Learn MoreShow Less
30 Mo CD
1.87% $500 - Learn MoreShow Less
36 Mo CD
1.97% $500 - Learn MoreShow Less
48 Mo CD
2.02% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.51% $250 - Learn MoreShow Less
Special: 24 Mo FIRA
2.12% $250 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.20% $25 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $250 - Learn MoreShow Less

Loan Rates - August 20, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.518% 3.500% 0.25 $545 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$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:
Ashburn,Virginia


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
0.73% 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 Federal Savings and Loan Association of Delaware had $163,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $22,180,000 in equity and $269,000 in loans loss reserves. That gives it a Texas Ratio of 0.73%.

Return on Equity
Fidelity Federal Savings and Loan Association of Delaware U.S. Bank Average
0.82% 9.47%

Fidelity Federal Savings and Loan Association of Delaware has a Return on Equity of 0.82% 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.

Capitalization
Fidelity Federal Savings and Loan Association of Delaware U.S. Bank Average
21.32% 12.49%

Fidelity Federal Savings and Loan Association of Delaware has a Capitalization of 21.32% 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 Federal Savings and Loan Association of Delaware Balance Sheet Analysis

As of March 31, 2019, Fidelity Federal Savings and Loan Association of Delaware had assets of $104,049,000, loans of $51,379,000, and deposits of $81,646,000. 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
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 billion
Loan loss allowance $0.00 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 $0.00 billion
All other assets $0.00 billion
     Total Assets $0.08 billion
LIABILITIES
Total deposits $0.08 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.08 billion
      % insured (estimated) 96.83%
Federal funds purchased and repurchase agreements $0.00 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 $0.08 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

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

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 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 72.31
Multifamily
Mortgages
4.96
Credit Card Loans 0.00
Consumer Auto Loans 0.40
Small Business Loans 13.25
Construction and Development Loans 2.24
Commercial Real Estate 15.50
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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