Fidelity Bank (FDIC #11507): Bank Stress & Real-Estate Credit Exposure

Fidelity Bank (FDIC Cert #11507): bank stress 56/100, moderate, STABLE over 7 days; parent FIDELITY BANCSHARES N C INC.

Fidelity Bank (#11507) lends in 28 counties across 3 states; Fidelity Bank (#11507) reaches 405 ZIP codes: North Carolina 25 counties, 347 ZIPs; South Carolina 2 counties, 57 ZIPs; Virginia 1 county, 1 ZIPs.

Fidelity Bank (#11507) largest markets: Wake County, NC (533 branches, 41 ZIPs) (#11507), Mecklenburg County, NC (37 branches, 37 ZIPs) (#11507), Guilford County, NC (140 branches, 35 ZIPs) (#11507), Spartanburg County, SC (34 branches, 34 ZIPs) (#11507), Greenville County, SC (27 branches, 27 ZIPs) (#11507), Cumberland County, NC (25 branches, 25 ZIPs) (#11507).

Fidelity Bank (#11507) reports $4.66 billion in total assets; Fidelity Bank (#11507) equity $467.7 million (10.0% of Fidelity Bank (#11507) assets); Fidelity Bank (#11507) domestic deposits $4.17 billion; Fidelity Bank (#11507) net income $39.1 million; Fidelity Bank (#11507) return on assets 1.73%; Fidelity Bank (#11507) return on equity 17.38%; Fidelity Bank (#11507) net interest income $87.7 million; Fidelity Bank (#11507) call report June 30, 2026.

Fidelity Bank (#11507) noncurrent real-estate loans 0.03% of its book; Fidelity Bank (#11507) commercial real estate 448.91%; Fidelity Bank (#11507) residential 0.01%; Fidelity Bank (#11507) net charge-offs on real estate 0.43%; Fidelity Bank (#11507) residential charge-offs 0.35%.

Fidelity Bank (#11507) net interest margin 4.06% against an eight-quarter Fidelity Bank (#11507) average of 3.93% (Fidelity Bank (#11507) compression -0.13 points); Fidelity Bank (#11507) real-estate loans 2.7% of equity; Fidelity Bank (#11507) non-residential real estate 35.4% of equity; Fidelity Bank (#11507) rate-exposure score 40/100, Fidelity Bank (#11507) fixed-rate trap 40/100; Fidelity Bank (#11507) risk type credit driven; Fidelity Bank (#11507) rate regime rates elevated, Fidelity Bank (#11507) snapshot October 19, 2026.

Fidelity Bank (#11507) stress score moved from 55 on June 22, 2026 to 55.8 on October 19, 2026; Fidelity Bank (#11507) ranged 55 to 55.8 over 116 snapshots.

Fidelity Bank (#11507) alerts: 28 counties; top Fidelity Bank (#11507) alert scores: Rockingham County, NC 38 (moderate); Durham County, NC 37 (moderate); Charlotte County, NC 20 (low); Denver County, NC 20 (low); Fayetteville County, NC 20 (low).