TX lenders / Community Bank
Fidelity Bank of Texas
Community Bank · Waco, TX · Fidelity Bancshares Inc
- Total assets
- $165.4M
- CRE loan book
- $51.9M
- QoQ CRE growth
- -3.4%
- Q1 2026
Recorded CRE activity — mclennan County
2 commercial deeds of trust recorded recently, verified from county records.
- Jul 1, 2026 · unknownundisclosed
- Jun 30, 2026 · landundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 7.10% as of Q1 2026 — TX bank median 6.76% (0.34pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 7.10% | 7.23% |
| Q4 2025 | 7.47% | 8.50% |
| Q3 2025 | 8.18% | 7.69% |
| Q2 2025 | 6.95% | 9.19% |
| Q1 2025 | 7.53% | 7.42% |
| Q4 2024 | 7.30% | 7.61% |
| Q3 2024 | 6.54% | 6.82% |
| Q2 2024 | 6.60% | 7.17% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $51.9M | $15.3M | $3.1M | 247% | $0 |
| Q4 2025 | $53.8M | $12.7M | $3.2M | 260% | $0 |
| Q3 2025 | $55.3M | $13.2M | $3.2M | 279% | $0 |
| Q2 2025 | $50.8M | $12.0M | $3.2M | 263% | $0 |
| Q1 2025 | $39.1M | $10.4M | $2.4M | 210% | $0 |
| Q4 2024 | $33.2M | $7.7M | $2.4M | 179% | $0 |
| Q3 2024 | $27.9M | $7.2M | $2.5M | 172% | $0 |
| Q2 2024 | $24.0M | $5.8M | $1.0M | 148% | $0 |
Fidelity Bank of Texas: frequently asked questions
- How large is Fidelity Bank of Texas's commercial real estate loan book?
- As of Q1 2026, Fidelity Bank of Texas reported $51.9M in commercial real estate loans out of $165.4M in total assets, per its FFIEC Call Report.
- Is Fidelity Bank of Texas above the 300% CRE concentration guideline?
- Fidelity Bank of Texas's CRE loans stood at 247% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Fidelity Bank of Texas growing or shrinking its CRE lending?
- Fidelity Bank of Texas's CRE loan book shrank 3.4% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Fidelity Bank of Texas in recorded CRE lending?
- 2 commercial deeds of trust naming Fidelity Bank of Texas as lender have been recorded recently in mclennan County, verified from county records; the most recent was recorded Jul 1, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers State BankCommunity Bank · Mountain City · $51.9M CRE book
- The Miners State BankCommunity Bank · Iron River · $52.1M CRE book
- Sundance State BankCommunity Bank · Sundance · $51.7M CRE book
- Fusion BankCommunity Bank · Larned · $52.2M CRE book
- Bison State BankCommunity Bank · Bison · $52.4M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.