🏦Bank Scorer

This institution is no longer active

Operations ceased on August 16, 2025. CRA examination history below reflects the period it was active.

FIDELITY STATE BANK AND TRUST COMPANY

TOPEKA, KS · Supervised by FDIC

Est. 1922FDIC #1,150RSSD: FDIC-1150
Part ofFIDELITY KANSAS BANKSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2019

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.29%

Institution Profile

FDIC BankFind

Address

600 S Kansas Ave, TOPEKA, KS

County

Shawnee County

Established

April 29, 1922

Total Assets

$148M(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

October 1, 2019

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 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 2025Call Report / FDIC

Total Assets

$148M

Total Deposits

$116M

Net Loans

$67M

Net Income

$-221K

ROA

-0.29%

ROE

-3.29%

Risk-Based Capital

20.40%

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 Rate37.14%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$116M

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20193560%37.14%
20185255.77%34.62%

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

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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