Fidelity Personal Trust Company, FSB

Headquarters

2 Contra Way T4r
Merrimack, NH 03054
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 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 Personal Trust Company, FSB is an FDIC insured institution located in Merrimack, NH. It was founded in 2000 and has approximately $0.1 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 35206
Date Established 2000
Assets $ 100.03 million
Loans N.A.
Deposits $ 0.50 million
Capital $ 98.86 million
 

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

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Fidelity Personal Trust Company, FSB

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 2020

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Payment
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NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Virginia 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 Personal Trust Company, FSB
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Branches

Fidelity Personal Trust Company, FSB 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 Personal Trust Company, FSB Locations


Financial Details

Fidelity Personal Trust Company, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fidelity Personal Trust Company, FSB. 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 Personal Trust Company, FSB U.S. Bank Average
0% 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 Personal Trust Company, FSB had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $98,861,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Fidelity Personal Trust Company, FSB U.S. Bank Average
46.82% 7.80%

Fidelity Personal Trust Company, FSB has a Return on Equity of 46.82% 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 Personal Trust Company, FSB U.S. Bank Average
98.83% 12.68%

Fidelity Personal Trust Company, FSB has a Capitalization of 98.83% 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 Personal Trust Company, FSB Balance Sheet Analysis

As of March 31, 2020, Fidelity Personal Trust Company, FSB had assets of $100,028,000, loans of $0, and deposits of $500,000. 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 $ 0.07 million
Interest-bearing balances N.A.
Total securities $ 78.17 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases N.A.
Loan loss allowance N.A.
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 21.79 million
     Total Assets $ 1.17 million
LIABILITIES
Total deposits $ 0.50 million
      Interest-bearing deposits $ 0.50 million
      Deposits held in domestic offices $ 0.50 million
      % insured (estimated) 49.70%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.67 million
      Total Liabilities $ 1.17 million
      Shareholders’ Equity $ 98.86 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.56 million
Total Interest Expense $ 0.00 million
Net interest income $ 0.55 million
Provision for loan and lease losses N.A.
Total non interest income $ 22.85 million
Total non interest expense $ 10.26 million
Pre-tax Net Operating Income $ 13.15 million

Bank Loan Profile?

The top three loan types in Fidelity Personal Trust Company, FSB’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Fidelity Personal Trust Company, FSB’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 nan
Multifamily
Mortgages
nan
Credit Card Loans nan
Consumer Auto Loans nan
Small Business Loans nan
Construction and Development Loans nan
Commercial Real Estate nan
Commercial and Industrial Loans nan
Farm Loans nan

Frequently Asked Questions About Fidelity Personal Trust Company, Fsb

Branches and Savings

Is Fidelity Personal Trust Company, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #35206.

Why does Fidelity Personal Trust Company, Fsb pay such low interest on savings accounts?

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

Why are Fidelity Personal Trust Company, Fsb CD rates not competitive?

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

Is Fidelity Personal Trust Company, Fsb a commercial bank?

Yes

Where are Fidelity Personal Trust Company, Fsb locations?

See branch locations nearby.

Is Fidelity Personal Trust Company, Fsb open on Saturdays?

Is Fidelity Personal Trust Company, Fsb open on Sundays?

What time does Fidelity Personal Trust Company, Fsb open?

What time does Fidelity Personal Trust Company, Fsb close?

Are Fidelity Personal Trust Company, Fsb ATMs Open 24/7?

Do Fidelity Personal Trust Company, Fsb ATMs accept cash deposits?

Can Fidelity Personal Trust Company, Fsb customers use other ATMs?

Do Fidelity Personal Trust Company, Fsb branches have notaries?

Will Fidelity Personal Trust Company, Fsb notarize my document?

What address for Fidelity Personal Trust Company, Fsb should I put for incoming ACH transfers?

Will the Fidelity Personal Trust Company, Fsb branch print checks?

Do Fidelity Personal Trust Company, Fsb checks expire?

Does Fidelity Personal Trust Company, Fsb require US citizenship to open account?

Can Fidelity Personal Trust Company, Fsb close my account?

Does Fidelity Personal Trust Company, Fsb Report to credit bureaus?

Does Fidelity Personal Trust Company, Fsb Use Equifax?

What is Fidelity Personal Trust Company, Fsb's ACH Routing Number?

What is Fidelity Personal Trust Company, Fsb's SWIFT code?

Products

Does Fidelity Personal Trust Company, Fsb offer mortgages?

Compare mortgage rates here.

Does Fidelity Personal Trust Company, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fidelity Personal Trust Company, Fsb offer personal loans?

Compare personal loan rates here.

Does Fidelity Personal Trust Company, Fsb offer student loans?

Will Fidelity Personal Trust Company, Fsb cash a check?

Will Fidelity Personal Trust Company, Fsb redeem a savings bond?

Does Fidelity Personal Trust Company, Fsb cash savings bonds?

Will Fidelity Personal Trust Company, Fsb cash money orders?

Can Fidelity Personal Trust Company, Fsb issue a money order?

Does Fidelity Personal Trust Company, Fsb do currency exchange?

Background on The Bank

Who owns Fidelity Personal Trust Company, Fsb?

How long has Fidelity Personal Trust Company, Fsb been around?

Can Fidelity Personal Trust Company, Fsb transfer to other banks?

Does Fidelity Personal Trust Company, Fsb have quick pay?

Does Fidelity Personal Trust Company, Fsb accept rolled coins?

Will Fidelity Personal Trust Company, Fsb accept loose change?

Where is Fidelity Personal Trust Company, Fsb headquarters?

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