What is The Fidelity Bank's financial health grade?

The Fidelity Bank has a TFS Financial Health Grade of A (score: 90.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Fidelity Bank have?

The Fidelity Bank has 55 branch locations across the United States.

Is The Fidelity Bank FDIC insured?

Yes, The Fidelity Bank is FDIC insured (Certificate #11507).

What are the total assets of The Fidelity Bank?

The Fidelity Bank has total assets of $4.7B as reported in its most recent FDIC filing.

The Fidelity Bank: TFS Grade & Financial Health

BankFuquay Varina, North Carolina

www.fidelitybanknc.com

Compare The Fidelity BankCD withdrawal tools

Total Assets

$4.7B

Total Deposits

$4.2B

Branches

Established

1909

The Fidelity Bank is a bank headquartered in Fuquay Varina, North Carolina, established in 1909. It holds $4.7B in total assets across 55 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Fidelity Bank earns a TFS Financial Health Grade of A (90.7/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

90.7 / 100

Excellent financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

11.47%(8%)

Total Capital Ratio

17.81%(10%)

Non-Performing Loan Ratio

0.42%

Profitability

Return on Assets (ROA)

1.73%(1%)

Return on Equity (ROE)

17.38%(10%)

Net Interest Margin

4.06%

Efficiency Ratio

51.48%(60%)

Lending & Liquidity

Total Loans

$2.9B

Loan-to-Deposit Ratio

69.19%

Net Charge-Off Ratio

Other banks in North Carolina

Bank of America, National Association

Bank

Charlotte, NC

$2654.6B

C-

Truist Bank

Bank

Charlotte, NC

$548.3B

First-Citizens Bank & Trust Company

Bank

Raleigh, NC

$236.3B

STATE EMPLOYEES'

Branch	Address	City	State	Type
The Fidelity BankHQ	100 S Main St	Fuquay Varina	NC	11
The Fidelity Bank	804 E Williams St	Apex	NC	11
The Fidelity Bank	106 E Taft Ave	Asheboro	NC	11
The Fidelity Bank	100 North Main Street	Belmont	NC	11
The Fidelity Bank	520 N Main St	Biscoe	NC	11
The Fidelity Bank	2441 S Church St	Burlington	NC	11
The Fidelity Bank	225 N Main St	Candor	NC	11
The Fidelity Bank	100 W Chatham St	Cary	NC	11
The Fidelity Bank	7421 Carmel Executive Park Dr	Charlotte	NC	11
The Fidelity Bank	2561 Lewisville Clemmons Rd	Clemmons	NC	11
The Fidelity Bank	7232 Austin Smiles Ct	Denver	NC	11
The Fidelity Bank	3016 Shannon Rd	Durham	NC	11
The Fidelity Bank	2911 Village Dr	Fayetteville	NC	11
The Fidelity Bank	1304 N Main St	Fuquay-Varina	NC	11
The Fidelity Bank	919 Us Highway 70 W	Garner	NC	11
The Fidelity Bank	2933 Union Rd	Gastonia	NC	11
The Fidelity Bank	610 Cox Rd	Gastonia	NC	11
The Fidelity Bank	237 E Main St	Gibsonville	NC	11
The Fidelity Bank	2501 Battleground Ave	Greensboro	NC	11
The Fidelity Bank	211 Linda Vista Dr	Hendersonvlle	NC	11
The Fidelity Bank	1005 N Main St	High Point	NC	11
The Fidelity Bank	7000 Gb Alford Hwy	Holly Springs	NC	11
The Fidelity Bank	163 S Main St	Kernersville	NC	11
The Fidelity Bank	114 W 2nd Ave	Lexington	NC	11
The Fidelity Bank	258 W Swannanoa Ave	Liberty	NC	11
The Fidelity Bank	20 Pine State St	Lillington	NC	11
The Fidelity Bank	1296 S Fifth St	Mebane	NC	11
The Fidelity Bank	186 Williamson Rd	Mooresville	NC	11
The Fidelity Bank	10217 Chapel Hill Rd	Morrisville	NC	11
The Fidelity Bank	712 Martin Luther King Jr Ave	Oxford	NC	11
The Fidelity Bank	24 Commerce Court	Pittsboro	NC	11
The Fidelity Bank	112 South 401 By-Pass	Raeford	NC	11
The Fidelity Bank	2819 Jones Franklin Rd	Raleigh	NC	11
The Fidelity Bank	5220 Falls Of Neuse Rd	Raleigh	NC	11
The Fidelity Bank	600 Oberlin Rd	Raleigh	NC	11
The Fidelity Bank	5700 Creedmoor Rd	Raleigh	NC	11
The Fidelity Bank	6856 Jordan Rd	Ramseur	NC	11
The Fidelity Bank	130 E Salisbury St	Robbins	NC	11
The Fidelity Bank	532 E Broad Ave	Rockingham	NC	11
The Fidelity Bank	105 W Gordon St	Roxboro	NC	11
The Fidelity Bank	2085 Statesville Blvd	Salisbury	NC	11
The Fidelity Bank	1002 S Horner Blvd	Sanford	NC	11
The Fidelity Bank	331 S Lafayette St	Shelby	NC	11
The Fidelity Bank	1426 E 11th St	Siler City	NC	11
The Fidelity Bank	985 Old Us Hwy 1	Southern Pines	NC	11
The Fidelity Bank	8110 Us Highway 158	Stokesdale	NC	11
The Fidelity Bank	1035 Randolph St	Thomasville	NC	11
The Fidelity Bank	315 Albemarle Rd	Troy	NC	11
The Fidelity Bank	231 S White St	Wake Forest	NC	11
The Fidelity Bank	12201 Capital Blvd	Wake Forest	NC	11

Showing 50 of 55 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No institution-level regulatory actions are currently published in TFS's exact-ID registry. Coverage is curated and this does not prove that no action exists.

Institution Details

Institution TypeBank

FDIC Certificate #11507

Primary RegulatorFDIC

FDIC/NCUA InsuredYes

Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

Same-period peer analysis · 2026-Q2

The Fidelity Bank compared with similar banks

Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.

Choose another

TFS health score

90.7

better than peers

97th percentileMedian 80.2

Tier 1 capital ratio

11.47%

better than peers

69th percentileMedian 10.49%

Return on assets

1.73%

better than peers

80th percentileMedian 1.37%

Non-performing loans

0.42%

better than peers

62nd percentileMedian 0.59%

Efficiency ratio

51.48%

better than peers

67th percentileMedian 56.82%

Asset growth (YoY)

9.35%

better than peers

76th percentileMedian 6.53%

Suggested direct comparisons

Closest useful peers

View NC rankings

Same state

HomeTrust Bank

Asheville, NC

$4.4B

B+

Same state

Southern Bank and Trust Company

Mount Olive, NC

$5.3B

C+

Same state

First Carolina Bank

Rocky Mount, NC

The Fidelity Bank: TFS Grade & Financial Health

Capital & Safety

Profitability

Lending & Liquidity

Other banks in North Carolina

Bank of America, National Association

Truist Bank

First-Citizens Bank & Trust Company

STATE EMPLOYEES'

Growth

Institution Details

The Fidelity Bank compared with similar banks

Closest useful peers

Live Oak Banking Company

First Bank