Fidelity National Bank

330 West Broadway
West Memphis, AR 72301

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19644
Date Established 1966
Assets $0.38 billion
Loans $0.20 billion
Deposits $0.33 billion
Capital $0.04 billion

Fidelity National Bank is an FDIC insured institution located in West Memphis, AR. It was founded in 1966 and has approximately $0.38 billion in assets. Customers can open an account at one of its 5 branches.

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

Bank Loan Profile?

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

Compared to other banks in Arkansas, Fidelity National Bank has a significantly higher percent of 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 12.38
Multifamily
Mortgages
4.19
Credit Card Loans 0.00
Consumer Auto Loans 0.90
Small Business Loans 0.00
Construction and Development Loans 5.30
Commercial Real Estate 44.81
Commercial and Industrial Loans 8.30
Farm Loans 11.02

Deposit Rates - February 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $2,500 - Learn MoreShow Less
CD Rates APY MIN MAX
0.35% $500 $90,000 Learn MoreShow Less
6 Mo CD
0.75% $500 $90,000 Learn MoreShow Less
6 Mo CD
0.75% $90,001 - Learn MoreShow Less
2.02% $500 $90,000 Learn MoreShow Less
12 Mo CD
2.02% $90,001 - Learn MoreShow Less
2.07% $500 $90,000 Learn MoreShow Less
2.12% $500 $90,000 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
2.02% $500 $90,000 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
2.07% $500 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1,000 - Learn MoreShow Less

Loan Rates - February 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Fidelity National Bank

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
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info

Note to Fidelity National Bank
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Branches

Fidelity National Bank 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 National Bank Locations

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Financial Details

Fidelity National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fidelity National Bank. 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 National Bank U.S. Bank Average
4.81% 7.34%

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 September 30, 2018, Fidelity National Bank had $2,156,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $42,061,000 in equity and $2,756,000 in loans loss reserves. That gives it a Texas Ratio of 4.81%.

Return on Equity
Fidelity National Bank U.S. Bank Average
13.04% 9.95%

Fidelity National Bank has a Return on Equity of 13.04% versus the BestCashCow average of 9.95%. 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 National Bank U.S. Bank Average
11.01% 12.19%

Fidelity National Bank has a Capitalization of 11.01% versus the BestCashCow average of 12.19. 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 National Bank Balance Sheet Analysis

As of September 30, 2018, Fidelity National Bank had assets of $381,963,000, loans of $204,574,000, and deposits of $331,827,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.15 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.20 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 $0.01 billion
     Total Assets $0.34 billion
LIABILITIES
Total deposits $0.33 billion
      Interest-bearing deposits $0.25 billion
      Deposits held in domestic offices $0.33 billion
      % insured (estimated) 60.28%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.34 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 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 $0.00 billion

Frequently Asked Questions About Fidelity National Bank

Branches and Savings

Is Fidelity National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19644.

Why does Fidelity National 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 National Bank CD rates not competitive?

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

Is Fidelity National Bank a commercial bank?

Yes

Where are Fidelity National Bank locations?

See branch locations nearby.

Is Fidelity National Bank open on Saturdays?

Is Fidelity National Bank open on Sundays?

What time does Fidelity National Bank open?

What time does Fidelity National Bank close?

Are Fidelity National Bank ATMs Open 24/7?

Do Fidelity National Bank ATMs accept cash deposits?

Can Fidelity National Bank customers use other ATMs?

Do Fidelity National Bank branches have notaries?

Will Fidelity National Bank notarize my document?

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

Will the Fidelity National Bank branch print checks?

Do Fidelity National Bank checks expire?

Does Fidelity National Bank require US citizenship to open account?

Can Fidelity National Bank close my account?

Does Fidelity National Bank Report to credit bureaus?

Does Fidelity National Bank Use Equifax?

What is Fidelity National Bank's ACH Routing Number?

What is Fidelity National Bank's SWIFT code?

Products

Does Fidelity National Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Fidelity National Bank offer personal loans?

Compare personal loan rates here.

Does Fidelity National Bank offer student loans?

Will Fidelity National Bank cash a check?

Will Fidelity National Bank redeem a savings bond?

Does Fidelity National Bank cash savings bonds?

Will Fidelity National Bank cash money orders?

Can Fidelity National Bank issue a money order?

Does Fidelity National Bank do currency exchange?

Background on The Bank

Who owns Fidelity National Bank?

How long has Fidelity National Bank been around?

Can Fidelity National Bank transfer to other banks?

Does Fidelity National Bank have quick pay?

Does Fidelity National Bank accept rolled coins?

Will Fidelity National Bank accept loose change?

Where is Fidelity National Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of Fidelity National Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.