Fidelity Bank of Texas

BankWaco, Texas
www.fbot.com

Total Assets

$157.0M

Total Deposits

$126.2M

Branches

2

Established

1974

TFS Health Grade

$
F

54.6 / 100

Poor financial health

How we grade

Fidelity Bank of Texas is a bank headquartered in Waco, Texas, established in 1974. With $157.0M in total assets and 2 branch locations, it has a TFS Financial Health Grade of F (54.6/100).

Capital & Safety

Tier 1 Capital Ratio
11.58%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
4.78%

Profitability

Return on Assets (ROA)
0.65%(1%)
Return on Equity (ROE)
3.78%(10%)
Net Interest Margin
5.62%
Efficiency Ratio
78.53%(60%)

Lending & Liquidity

Total Loans
$105.5M
Loan-to-Deposit Ratio
83.01%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+23.88%
Deposit Growth (YoY)
+29.97%
Net Income
$910.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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