This institution is no longer active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

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

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%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.23%

Risk-Based Capital

14.13%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA1.32%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.13%Peer avg: 23.03%▼ Below avg

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

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	6,544	68.25%	14.88%
2020	15,771	73.77%	6.44%
2019	16,275	74.99%	9.25%
2018	23,819	74.33%	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

Exam Date	Rating	Exam Type
Jul 2016	Satisfactory	Intermediate Small Bank
Jan 2011	Satisfactory	Small Bank
Sep 2005	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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