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 5.90
Capitalization Index 9.40
Liquidity Index 3.60
Profitability Index 8.20
Stability Index 7.80
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 10.37%
5-Year Asset Growth 18.48%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.56%
Non-Performing Loans to Capital 4.00%
Non-Performing Loans to Loans 0.85%
Balance Sheet The Fidelity Bank
Fuquay-Varina, NC
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Total Assets 4.26B
Total Deposits 3.87B
Capital and Reserves The Fidelity Bank
Fuquay-Varina, NC
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Capital 374.08M
Leverage Ratio 10.62
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio 16.04
Liquidity The Fidelity Bank
Fuquay-Varina, NC
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Hot Money Ratio 9.09%
Liquidity Ratio 22.07%
Profitability The Fidelity Bank
Fuquay-Varina, NC
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5-Year Return on Average Assets 1.38%
Net Income 33.71M
Net Interest Spread 3.73%
Operating Profit to Average Assets 2.04%
Overhead Efficiency Ratio 51.50%
Return on Assets 1.58%
Return on Equity 19.45%