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This institution is no longer active

Operations ceased on July 20, 2019. CRA examination history below reflects the period it was active.

FIDELITY BANK

WICHITA FALLS, TX · Supervised by FDIC

Est. 2003FDIC #57,621RSSD: FDIC-57621
Part ofFIRST BANCSHARES OF TEXAS INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2016

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.32%

Institution Profile

FDIC BankFind

Address

2525 Kell Boulevard, Suite 100, WICHITA FALLS, TX

County

Wichita County

Established

September 9, 2003

Total Assets

$526M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2016

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 9 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2019Call Report / FDIC

Total Assets

$526M

Total Deposits

$390M

Net Loans

$395M

Net Income

$3M

ROA

1.32%

ROE

7.23%

Risk-Based Capital

14.13%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate14.88%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246,54468.25%14.88%
20237,28168.2%14.71%
20229,44068.7%12.33%
202113,95974.01%6.15%
202015,77173.77%6.44%
201916,27574.99%9.25%
201823,81974.33%11.31%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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