The Fidelity Bank
Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 10.1. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.5 has resulted in Excellent (7.9) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10). A current level of 5.0 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Comm re (35%), securities (26%), home mtgs (6%), comm loans (6%), cash (5%), home eq lns (4%), consumer loans (0%), other (17%)
States with Branches:
NC, SC, VA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Fidelity BancShares (N.C.), Inc.
Investment Rating
--
Address
100 South Main Street
Fuquay-Varina, NC 27526
Fuquay-Varina, NC 27526
Phone Number
(919) 552-2242
Year Founded
1909
FDIC Number
Website
Largest Affiliates
No affiliate information available.