Compared with North Carolina
8 of 24
compared fees are above the median.
6 below, 10 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
81st percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the North Carolina median
of 24 compared; 6 below, 10 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for The Fidelity Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the North Carolina median | Published fees above the North Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Fidelity Bank's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.0% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (81st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $2.2M in Q2 2026, 2.0% above the same quarter a year earlier ($2.1M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 24 compared published fees sit above the North Carolina median; 6 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with North Carolina medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Compared at $4.50, the middle of its prices
Non-Network ATM
Compared at $1.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $2.2M. Its share of revenue, 4.0%, is above the 2.2% median for banks with $1B to $10B in assets.
$2.2M
The Fidelity BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0 to $3; we compare the midpoint. Monthly maintenance: Listed at $0 to $12; we compare the midpoint.
The Fidelity Bank · $4.7B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The Fidelity Bank(this institution) | Fuquay Varina, NC | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arrow Bank National Association | Glens Falls, NY | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bar Harbor Bank & Trust | Bar Harbor, ME | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital City Bank | Tallahassee, FL | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carter Bank & Trust | Martinsville, VA | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Civista Bank | Sandusky, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Community Bank of Mississippi | Flowood, MS | $5.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Bank | Fresno, CA | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Bank | Lake City, FL | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank Alaska | Anchorage, AK | $5.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First State Community Bank | Farmington, MO | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hills Bank and Trust Company | Hills, IA | $4.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hingham Institution for Savings | Hingham, MA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| HomeTrust Bank | Asheville, NC | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| International Bank of Commerce | Brownsville, TX | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NATIONAL COOPERATIVE BANK, N.A. | Hillsboro, OH | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| PeoplesBank | Holyoke, MA | $4.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primis Bank | Tappahannock, VA | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southern Bank | Poplar Bluff, MO | $5.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southern First Bank | Greenville, SC | $4.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of India | Chicago, IL | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunwest Bank | Sandy, UT | $4.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Bank and Trust Company | Longview, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Exchange Bank | Crowley, TX | $4.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| VeraBank, National Association | Henderson, TX | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wheaton Bank & Trust, National Association | Wheaton, IL | $4.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4.50, the middle of its six prices, against a peer median of $8 among 15 publishing peers.
Its six checking prices are $0, $3, $4, $5, $7 and $12.
$4.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for The Fidelity Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.2M | +$65K | +3.1% |
| Q1 2026 | $2.1M | −$56K | −2.6% |
| Q4 2025 | $2.2M | +$2K | +0.1% |
| Q3 2025 | $2.2M | +$32K | +1.5% |
| Q2 2025 | $2.1M | +$45K | +2.2% |
| Q1 2025 | $2.1M | −$61K | −2.8% |
| Q4 2024 | $2.1M | +$18K | +0.8% |
| Q3 2024 | $2.1M | +$139K | +7.0% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, The Fidelity Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to The Fidelity Bank by share.
Amounts from The Fidelity Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early closing fee (if within 6 months) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Additional foreign withdrawals in excess of three | $3Below the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Paper statement charge | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Excessive activity fee (per item) | $12Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft automated transfer from checking account | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft automated transfer from savings account | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM–Non-Fidelity Bank use: All other accounts | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| First three foreign ATM withdrawals | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Visa® Debit Card replacement fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa® Debit Card foreign transaction fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
| Visa® Debit Card foreign transaction fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire transfers: Domestic outgoing (in branch) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfers: Domestic outgoing (online) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfers: Domestic incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire transfers: International outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire transfers: International incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s checks: All others | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money orders: All other customers | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Counter checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Counter checks (per check) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Charge off deposit collection fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection items (plus actual expenses paid to others) | $75Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check copies (per check) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payment service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Proof of payment (less than 6 months for bill payment not in dispute) | $10Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Proof of payment (more than 6 months for bill payment not in dispute) | $15Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary fee (per signature) | $3Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Box 10 X 10 | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe deposit box fees: 2 X 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe deposit box fees: 3 X 10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe deposit box fees: 5 X 5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal process handling (tax levies, garnishments, etc.) | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Deposit verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Copy fee per statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Each additional page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Interim statements (without checks) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (per copy) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where The Fidelity Bank operates, and what regulators and customers have on file.
Branch footprint
55 offices in 3 states, $4.2B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 13 | $1.3B | |
| Outside a metro area | 10 | $865.5M |
| 7 | $460.3M | |
| 5 | $393.8M | |
| 7 | $323.3M | |
| 4 | $292.9M | |
| 2 | $205.9M | |
| 2 | $137.3M |
Raleigh-Cary, NC
1.2% of bank deposits, #9 of 37, down 1.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| First-Citizens Bank & Trust Company | 64.6% |
| Wells Fargo Bank, National Association | 7% |
| Truist Bank | 6.9% |
| Bank of America, National Association | 3.9% |
| PNC Bank, National Association | 3.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Raleigh-Cary, NC, The Fidelity Bank holds 1.2% of bank deposits, #9 of 37, with 13 offices.
374 offices of 54 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 37 institutions shown. $110.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1.2% share, 13 offices, #9 of 37
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
95 offices of 17 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.