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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · North Carolina, the state note

Fidelity Bank

Fuquay Varina, North Carolina · $4.66B in assets · beside the 11 other the Southeast banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

40.4%
CRE / loans
11th of 12
70.1%
Loans / deposits
3rd of 12
10.0%
Equity / assets
9th of 12

Fidelity Bank is the fifth largest of the 12 the Southeast banks nearest its size between $3B and $10B, with $4.66B in assets at 30 June 2026. Loans are 70.1% of deposits, 3rd of 12 against a median of 92.1%, and equity is 10.0% of assets, 9th of 12. Loans grew +5.9% in the year, 7th of 12, and deposits grew 7.9%; the cohort's median loan growth is +6.0%.

Noncurrent loans are 0.42% of the book, 5th of 12 against a median of 0.47%; 0.05% is 30 to 89 days past due, and the allowance covers them 3.0 times. Commercial real estate is 40.4% of loans, 11th of 12 against a median of 28.8%, and 206% of capital, below the 300% screen, with construction at 83% against the 100% screen.

Return on assets is 1.67%, 4th of 12 against a median of 1.43%, on an efficiency ratio of 51.5%, 4th of 12. Five years ago it was 1.29%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansSoutheast banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 28.8% FF First Federal Bank 17.1% MC Metro City Bank 19.7% PB Primis Bank 22.0% CC Capital City Bank 22.9% SB Southern Bank & Trust Co. 24.9% SF Southern First Bank 27.0% EB Emigrant Bank 30.6% FB First Bank & Trust Co. 30.8% HB Hometrust Bank 37.2% VB Vallant Bank 37.6% FB Fidelity Bank 40.4% CB Carter Bank & Trust 65.9%
Loans, year over yearSoutheast banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.0% VB Vallant Bank +84.1% MC Metro City Bank +26.6% PB Primis Bank +13.6% SB Southern Bank & Trust Co. +8.4% SF Southern First Bank +7.5% FB First Bank & Trust Co. +6.1% FB Fidelity Bank +5.9% FF First Federal Bank +4.6% CB Carter Bank & Trust -0.3% HB Hometrust Bank -2.6% EB Emigrant Bank -3.8% CC Capital City Bank -4.4%

SBA 7(a), FY2008 to FY2026

Fidelity Bank is the 26th largest 7(a) lender into North Carolina of 326, with $127M across 163 loans, 1.1% of everything approved in the state (Live Oak Banking Company leads with $1.40B). 29 of its 114 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in North Carolina, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Wake, NC$46M9th of 1812.7%+4.5 pts
Mecklenburg, NC$15M30th of 1770.7%+1.9 pts
Durham, NC$11M9th of 892.7%+6.3 pts
Alamance, NC$7M10th of 723.8%-1.9 pts
Guilford, NC$6M22nd of 1251.0%+0.9 pts
Forsyth, NC$6M15th of 861.6%-0.2 pts
Palm Beach, FL$5M87th of 1950.2%-0.1 pts
Rockingham, NH$4M28th of 1080.8%thin
Travis, TX$4M98th of 2390.2%-0.7 pts
La Plata, CO$4M7th of 483.8%thin
Hays, TX$4M28th of 1231.1%quiet FY2021
Lee, NC$4M5th of 365.9%-4.6 pts
Aransas, TX$4M3rd of 2810.8%quiet FY2022
101 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services48$62M24.7%0.08%192nd of 2,596
Other services45$34M13.7%0.10%164th of 2,248
Construction39$31M12.1%0.10%164th of 2,063
Health care & social assistance27$24M9.6%0.05%230th of 2,172
Professional & technical services22$18M7.3%0.06%205th of 1,955
7(a) lenders into North Carolina, share of approvals since FY2008326 lenders on record; the ten largest and Fidelity Bank
LO Live Oak Banking Company 11.7% $1.40B · 1,090 loans FN First National Bank of Pennsylvan… 5.5% $656M · 942 loans TB Truist Bank 5.4% $645M · 1,934 loans WF Wells Fargo Bank National Associa… 5.0% $600M · 2,368 loans PB Pinnacle Bank 4.2% $508M · 541 loans G Gbank 4.1% $497M · 177 loans UC United Community Bank 2.8% $334M · 426 loans T Townebank 2.6% $309M · 326 loans TH The Huntington National Bank 2.4% $282M · 632 loans FB First Bank 2.2% $263M · 424 loans TF The Fidelity Bank 1.1% $127M · 163 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Fidelity BankRankCohort median
Total CRE against capital, the 300% screen206%7th of 12197%
Construction against capital, the 100% screen83%10th of 1251%
Construction and land development, share of loans16.2%12th of 127.7%
Non-owner-occupied nonfarm nonresidential, share of loans21.2%9th of 1217.4%
Total CRE, the guidance definition, share of loans40.4%11th of 1228.8%
CRE growth over 36 months, the third prong+24.1%10th of 12+4.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Emigrant Bank$5.68B0.6%79.9%4.77%0.68%2.0%95.1%21.4%
Southern Bank & Trust Co.$5.30B1.3%52.6%0.12%0.00%1.0%74.7%8.2%
Carter Bank & Trust$4.80B3.6%38.6%1.01%-0.83%1.5%89.0%11.3%
Southern First Bank$4.70B0.9%57.4%0.28%0.01%1.1%100.9%8.7%
Fidelity Bank$4.66B1.7%51.5%0.42%0.06%1.3%70.1%10.0%
First Federal Bank$4.49B1.2%66.7%2.96%0.11%0.8%41.7%10.4%
Metro City Bank$4.47B2.0%41.0%0.44%0.01%0.7%112.3%11.5%
Capital City Bank$4.45B1.5%64.8%0.40%0.12%1.2%66.4%11.9%
Hometrust Bank$4.44B1.6%60.0%1.40%0.20%1.1%103.6%13.2%
Primis Bank$4.34B1.0%68.0%1.83%0.37%1.2%107.0%11.0%
First Bank & Trust Co.$4.28B1.8%40.0%0.28%0.22%1.3%95.2%9.9%
Vallant Bank$3.99B1.2%68.7%0.51%0.06%1.3%86.3%12.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Fidelity BankCohort median
20212026Change20212026Change
Loans$1.70B$2.93B+72%$2.19B$3.67B+67%
Deposits$2.96B$4.17B+41%$2.88B$3.82B+33%
NPA / loans0.34%0.42%+0.08 pts0.33%0.47%+0.14 pts
Efficiency54.4%51.5%-2.9 pts61.7%58.7%-3.0 pts
ROA1.29%1.67%+0.38 pts1.31%1.43%+0.12 pts

This read was prepared for Fidelity Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Fidelity Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Southeast banks $3B to $10B
Institution www.fidelitybanknc.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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