NC lenders / Community Bank
The Fidelity Bank
Community Bank · Fuquay Varina, NC · Fidelity Bancshares N C Inc
- Total assets
- $4.5B
- CRE loan book
- $2.1B
- QoQ CRE growth
- 0.7%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.85% as of Q1 2026 — TX bank median 4.87% (0.99pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.85% | 5.89% |
| Q4 2025 | 5.97% | 6.04% |
| Q3 2025 | 5.93% | 5.97% |
| Q2 2025 | 5.73% | 5.84% |
| Q1 2025 | 5.74% | 5.81% |
| Q4 2024 | 5.67% | 5.80% |
| Q3 2024 | 5.67% | 5.79% |
| Q2 2024 | 5.49% | 5.62% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $2.1B | $467.7M | $87.9M | 212% | $9.7M |
| Q4 2025 | $2.1B | $445.7M | $88.8M | 216% | $5.9M |
| Q3 2025 | $2.1B | $436.9M | $90.0M | 221% | $15.3M |
| Q2 2025 | $2.0B | $442.0M | $88.7M | 225% | $13.3M |
| Q1 2025 | $2.0B | $447.9M | $71.2M | 228% | $10.1M |
| Q4 2024 | $1.9B | $437.4M | $66.6M | 231% | $14.3M |
| Q3 2024 | $1.9B | $425.0M | $64.8M | 235% | $14.5M |
| Q2 2024 | $1.8B | $422.1M | $63.7M | 239% | $14.4M |
Signals
Recent news
- Fidelity: We won’t join ‘folly’ of risky lending - Tribune242 — Coverage of The Fidelity Bank related to lending reported by tribune242.com.Jul 28, 2026
- Affinity Bancshares advances merger with Fidelity Bank - The Globe and Mail — Coverage of The Fidelity Bank related to M&A activity reported by theglobeandmail.com.Jul 19, 2026
- Emerging growth sectors left largely unbankable under conventional lending models – Fidelity Bank’s Atta Yeboah Gyan - Business & Financial Times — Coverage of The Fidelity Bank related to lending reported by thebftonline.com.Jun 10, 2026
- Affinity Bancshares Sets July Vote on $23‑Per‑Share Cash Sale to Fidelity Bank - The Globe and Mail — Coverage of The Fidelity Bank related to commercial real estate and lending reported by theglobeandmail.com.May 30, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Farmers National Bank of CanfieldCommunity Bank · Canfield · $2.1B CRE book
- The Camden National BankCommunity Bank · Camden · $2.2B CRE book
- First International Bank & TrustCommunity Bank · Watford City · $2.2B CRE book
- Bar Harbor Bank & TrustCommunity Bank · Bar Harbor · $2.0B CRE book
- State Bank of TexasCommunity Bank · Irving · $2.2B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.