B
The Fidelity Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Fidelity Bank
Fuquay-Varina, NC
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Rating B
Asset Quality Index 6.10
Capitalization Index 9.50
Liquidity Index 3.70
Profitability Index 8.50
Stability Index 8.00
Company Info The Fidelity Bank
Fuquay-Varina, NC
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FDIC Number 11507
Phone Number (919) 552-2242
Website www.fidelitybanknc.com
Asset Quality The Fidelity Bank
Fuquay-Varina, NC
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1-Year Asset Growth 11.64%
5-Year Asset Growth 18.48%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.51%
Non-Performing Loans to Capital 3.51%
Non-Performing Loans to Loans 0.80%
Balance Sheet The Fidelity Bank
Fuquay-Varina, NC
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Total Assets 4.48B
Total Deposits 4.06B
Capital and Reserves The Fidelity Bank
Fuquay-Varina, NC
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Capital 403.39M
Leverage Ratio 10.68
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio 16.51
Liquidity The Fidelity Bank
Fuquay-Varina, NC
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Hot Money Ratio 8.92%
Liquidity Ratio 25.56%
Profitability The Fidelity Bank
Fuquay-Varina, NC
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5-Year Return on Average Assets 1.38%
Net Income 53.66M
Net Interest Spread 3.78%
Operating Profit to Average Assets 2.13%
Overhead Efficiency Ratio 50.52%
Return on Assets 1.64%
Return on Equity 19.83%