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This institution is no longer active

Operations ceased on April 21, 2005. CRA examination history below reflects the period it was active.

THE FIDELITY BANK

HAGERSTOWN, MD · Supervised by FDIC

Est. 1902FDIC #12,882RSSD: FDIC-12882
Part ofMERCANTILE BANKSHARES CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2004

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.70%

Institution Profile

FDIC BankFind

Address

128 Washington Street, HAGERSTOWN, MD

County

Washington County

Established

April 18, 1902

Total Assets

$303M(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

February 1, 2004

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 22 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 Q1 2005Call Report / FDIC

Total Assets

$303M

Total Deposits

$223M

Net Loans

$203M

Net Income

$533K

ROA

0.70%

ROE

3.28%

Risk-Based Capital

17.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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