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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Iowa, the state note

Fidelity Bank & Trust

Dubuque, Iowa · $2.60B in assets · beside the 11 other Iowa banks between $1B and $3B

The filing

+38.4%
Loans, year over year
1st of 12, largest first
13.5%
CRE / loans
2nd of 12
0.9x
Coverage of noncurrent
11th of 12

Fidelity Bank & Trust is the fourth largest of the 12 Iowa banks nearest its size between $1B and $3B, with $2.60B in assets at 30 June 2026. Loans are 89.5% of deposits, 6th of 12 against a median of 90.3%, and equity is 10.3% of assets, 6th of 12. Loans grew +38.4% in the year, the fastest in the cohort, and deposits grew 23.4%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 1.26% of the book, 10th of 12 against a median of 0.29%; 0.33% is 30 to 89 days past due, and the allowance covers them 0.9 times. Commercial real estate is 13.5% of loans, 2nd of 12 against a median of 35.2%, and 103% of capital, below the 300% screen, with construction at 30% against the 100% screen. CRE has grown +84.1% over 36 months, past the guidance's 50% prong.

Return on assets is 1.28%, 6th of 12 against a median of 1.27%, on an efficiency ratio of 50.8%, 4th of 12. Five years ago it was 1.02%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansIA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 35.2% UB United Bank of Iowa 2.5% FB Fidelity Bank & Trust 13.5% NB Northwest Bank 27.5% AB Availa Bank 29.0% FC First Citizens Bank 33.6% CB Central Bank 33.6% BI Bank Iowa 36.8% LS Lincoln Savings Bank 37.7% LS Luana Savings Bank 39.9% QC Quad City Bank & Trust Co. 45.9% CR Cedar Rapids Bank & Trust Co. 56.6% CS Community State Bank 64.1%
Loans, year over yearIA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.7% FB Fidelity Bank & Trust +38.4% CR Cedar Rapids Bank & Trust Co. +8.6% LS Luana Savings Bank +8.5% BI Bank Iowa +7.1% CS Community State Bank +7.0% AB Availa Bank +5.9% CB Central Bank +5.5% NB Northwest Bank +5.0% UB United Bank of Iowa +4.9% FC First Citizens Bank -3.0% QC Quad City Bank & Trust Co. -6.7% LS Lincoln Savings Bank -8.9%

SBA 7(a), FY2008 to FY2026

Fidelity Bank & Trust is the 118th largest 7(a) lender into Iowa of 416, with $5M across 32 loans, 0.2% of everything approved in the state (Cedar Rapids Bank and Trust Company leads with $126M). 11 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Iowa, 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
Cedar, IA$1M5th of 238.1%quiet FY2010
Fillmore, MN$632K7th of 243.5%quiet FY2010
Fayette, IA$620K4th of 204.2%quiet FY2015
Dubuque, IA$609K22nd of 461.3%quiet FY2015
Kossuth, IA$510K4th of 119.0%quiet FY2013
Keokuk, IA$487K2nd of 513.5%quiet FY2020
Jones, IA$475K5th of 153.3%quiet FY2016
Clayton, IA$401K5th of 104.0%thin
Scott, IA$280K48th of 730.1%quiet FY2008
Jackson, IA$270K10th of 132.9%quiet FY2009
Grant, WI$123K21st of 250.4%quiet FY2012
Delaware, IA$59K12th of 150.5%quiet FY2011
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
Retail trade8$2M28.6%0.00%1305th of 2,589
Construction3$1M20.5%0.00%1155th of 2,063
Other services5$611K11.2%0.00%1400th of 2,248
Accommodation & food services3$605K11.0%0.00%1820th of 2,596
Real estate & leasing2$442K8.1%0.00%972nd of 1,452
7(a) lenders into Iowa, share of approvals since FY2008416 lenders on record; the ten largest and Fidelity Bank & Trust
CR Cedar Rapids Bank and Trust Compa… 4.4% $126M · 289 loans LS Lincoln Savings Bank 3.9% $113M · 191 loans WF Wells Fargo Bank National Associa… 3.4% $97M · 411 loans FI First Interstate Bank 3.2% $92M · 181 loans LO Live Oak Banking Company 2.9% $85M · 74 loans UB U.S. Bank, National Association 2.8% $82M · 774 loans NB Northwest Bank 2.7% $79M · 233 loans Fa Farmers and Merchants Savings Bank 2.6% $76M · 148 loans FS Farmers State Bank 2.1% $61M · 277 loans BT Bankers Trust Company 2.1% $60M · 199 loans FB Fidelity Bank & Trust 0.2% $5M · 32 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Fidelity Bank & TrustRankCohort median
Total CRE against capital, the 300% screen103%2nd of 12236%
Construction against capital, the 100% screen30%2nd of 1248%
Construction and land development, share of loans3.9%2nd of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans6.3%2nd of 1214.5%
Total CRE, the guidance definition, share of loans13.5%2nd of 1235.2%
CRE growth over 36 months, the third prong+84.1%12th of 12+23.6%

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
Northwest Bank$3.00B1.3%57.9%0.23%0.04%1.3%95.1%9.8%
Cedar Rapids Bank & Trust Co.$2.90B2.7%40.6%0.54%0.23%1.2%96.9%16.9%
Quad City Bank & Trust Co.$2.77B1.5%53.4%0.51%0.52%1.2%79.2%11.4%
Fidelity Bank & Trust$2.60B1.3%50.8%1.26%0.01%1.1%89.5%10.3%
United Bank of Iowa$2.50B1.3%57.3%0.26%-0.01%1.4%85.6%9.2%
Bank Iowa$2.35B1.3%63.4%1.38%0.07%1.4%91.1%8.6%
Luana Savings Bank$2.34B0.9%47.6%0.11%0.00%1.0%94.7%9.1%
Central Bank$2.29B1.0%70.5%0.32%0.00%1.0%106.7%10.3%
First Citizens Bank$1.80B2.1%46.2%0.16%0.14%1.4%84.3%11.4%
Community State Bank$1.75B1.3%59.7%0.19%-0.01%1.0%102.2%11.6%
Availa Bank$1.73B0.9%61.4%0.26%0.04%1.2%83.8%9.0%
Lincoln Savings Bank$1.71B-1.0%88.3%4.32%0.00%1.5%80.3%9.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Fidelity Bank & TrustCohort median
20212026Change20212026Change
Loans$894M$1.91B+113%$1.22B$1.83B+50%
Deposits$1.42B$2.13B+50%$1.44B$1.96B+37%
NPA / loans0.57%1.26%+0.69 pts0.42%0.29%-0.13 pts
Efficiency58.2%50.8%-7.4 pts59.3%57.6%-1.7 pts
ROA1.02%1.28%+0.26 pts1.31%1.27%-0.03 pts

This read was prepared for Fidelity Bank & Trust'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 & Trust 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 IA banks $1B to $3B
Institution www.bankfidelity.com; www.bankfidelity.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state 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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