The Fidelity Bank
Fidelity Bank provides comprehensive banking services across North Carolina, South Carolina, and Virginia since 1909. Offers personal and business banking products including checking, savings, digital banking, mortgage financing, wealth management, and SBA lending services.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (58 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
The Fidelity Bank ranks #34 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of The Fidelity Bank’s 7(a) acquisition lending falls in the $1M-$2M range: 28 loans, 48.3% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 7 | 12.1% | |
| $500K-$1M | 17 | 29.3% | |
| $1M-$2M | 28 | 48.3% | |
| $2M-$3M | 1 | 1.7% | |
| $3M-$4M | 5 | 8.6% |
Industries with highest loan volume
Limited-Service Restaurants
6
loans
$854K
avg. amount
General Automotive Repair
5
loans
$1.3M
avg. amount
Electrical Contractors and Other Wiring Installation Contractors
3
loans
$2.1M
avg. amount
Residential Remodelers
3
loans
$2.1M
avg. amount
Specialized Automotive Repair
2
loans
$1.3M
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
2
loans
$2.4M
avg. amount
Pet Care (except Veterinary) Services
2
loans
$376K
avg. amount
Janitorial Services
2
loans
$869K
avg. amount
Specialized Freight (except Used Goods) Trucking, Long-Distance
2
loans
$1.6M
avg. amount
Electronic and Precision Equipment Repair and Maintenance
2
loans
$398K
avg. amount
10-Year
1.4%
Percentile Ranking
86th
86th percentile
The Fidelity Bank’s median variable rate is + 2.25%, against a market median of Prime + 1.88%, 38 above market.
It priced below the market median in 1 of the last 8 quarters. 1 of the 58 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.75% |
| $500K-$1M | Prime + 2.34% |
| $1M-$2M | Prime + 2.17% |
| $2M-$3M | Prime + 2.25% |
| $3M-$4M | Prime + 2.10% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q2 '24 | Prime + 2.13% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q3 '24 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 8 |
| Q4 '24 | Prime + 2.00% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 3 |
| Q2 '25 | Prime + 2.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 6 |
| Q3 '25 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q4 '25 | Prime + 2.38% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 6 |
| Q1 '26 | Prime + 2.13% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 4 |
| Q2 '26 | Prime + 2.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 9 |
The Fidelity Bank has originated 7(a) acquisition loans in 16 states, most actively in North Carolina (29), Florida (10) and Illinois (3). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| North Carolina | 29 | 50.0% |
| Florida | 10 | 17.2% |
| Illinois | 3 | 5.2% |
| South Carolina | 3 | 5.2% |
| Virginia | 2 | 3.4% |
| Indiana | 1 | 1.7% |
| Idaho | 1 | 1.7% |
| Oregon | 1 | 1.7% |
| Ohio | 1 | 1.7% |
| Tennessee | 1 | 1.7% |
| Washington | 1 | 1.7% |
| Missouri | 1 | 1.7% |
| Texas | 1 | 1.7% |
| California | 1 | 1.7% |
| Utah | 1 | 1.7% |
| Colorado | 1 | 1.7% |
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