At a glance
From its website, read 2 Nov 2026Fidelity Bank is a bank or thrift based in West Memphis, Arkansas. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types. Where it lends: Eastern Arkansas.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (870) 735-8700 source |
|---|---|
| Lending | (870) 739-5711 source |
| Website | www.fidelitybanker.com |
| Office (official list) | 330 West Broadway, West Memphis, AR 72301 |
What their website says about applying
Please call us at (870) 735-8700 to speak with a consumer loan representative
sourceStop by one of our locations to meet your personal Fidelity banker, and let's get down to business together.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 23 Jan 2021 |
| RSSD ID | 848248 |
| Address | 330 West Broadway, West Memphis, AR 72301 Directions (Google Maps) |
| Website | www.fidelitybanker.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and an online loan application were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | From production and equipment, to real estate loans - our flexible financial solutions ensure we have an Agri. loan to meet your needs. | source |
| Auto / vehicle loans | — | An automobile loan from Fidelity Bank can make the car you choose affordable. New and used auto financing is available with flexible installment schedules. | source |
| Commercial real estate loans | — | Commercial Real Estate loans | source |
| Equipment loans | — | Equipment loans | source |
| Home repair / improvement loans | — | Are you planning on remodeling your home or would you like to build a new home? Let Fidelity Bank help you with a construction loan that is just right for you. | source |
| Home mortgages | — | Looking to purchase a new home? Our friendly, personalized loan staff can help you finance a new home or refinance your existing home. | source |
| Personal / consumer loans | — | Personal installment loans are ideal for vacations, school expenses, home improvements, and even boats. | source |
| Small-business loans | — | We offer a wide array of business loan products that will cover most any lending requirement your business may have. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Eastern Arkansas
to help make eastern Arkansas a great place to live by obtaining a deep understanding of the banking needs in the neighborhoods and communities we serve
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.fidelitybanker.com/
- https://www.fidelitybanker.com/loans/personal
- https://www.fidelitybanker.com/loans/business
- https://www.fidelitybanker.com/loans/agri-business
- https://www.fidelitybanker.com/loans/credit-cards
- https://www.fidelitybanker.com/accounts/checking
- https://www.fidelitybanker.com/accounts/cds-iras
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.7 million in 6 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $15,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Fidelity Bank (FDIC cert 19644). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $546.8 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 (as of 30 Oct 2026) |
Offices by state and county (6)
Arkansas (6 offices)
- Crittenden County (4): 330 W Broadway St, West Memphis 72301 (main office); 1200 State Highway 77, Marion 72364; 330 Military Rd, Marion 72364; 350 West Service Road, West Memphis 72301
- Cross County (2): 1013 Highway 64e, Wynne 72396; 1315 Highway 64, Wynne 72396
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Fidelity Bank (RSSD 848248, FDIC cert 19644). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $257 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 2.9% from $264.7 million on 30 Jun 2025 |
| Total assets | $546.8 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $31.6 million | 12.3% |
| Home equity lines of credit | $2.6 million | 1.0% |
| Commercial real estate, construction and multifamily | $152.8 million | 59.5% |
| Commercial and industrial (business) loans | $22.5 million | 8.8% |
| Farmland and farm production loans | $44.3 million | 17.2% |
| Consumer loans (credit cards, auto, other) | $3.2 million | 1.2% |
| All other loans and leases | $14,000 | <0.1% |
Within consumer loans: auto loans $821,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 22 loans $1.1 million | 199 loans $4.2 million |
| $100,001 to $250,000 | 29 loans $4.1 million | 21 loans $1.9 million |
| $250,001 to $1 million | 48 loans $17.8 million | 14 loans $3.7 million |
| All small business loans | 99 loans $23 million | 234 loans $9.8 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 23 loans $994,000 | 51 loans $1.3 million |
| $100,001 to $250,000 | 29 loans $3.4 million | 16 loans $1.6 million |
| $250,001 to $500,000 | 19 loans $4.4 million | 11 loans $2.7 million |
| All small farm loans | 71 loans $8.8 million | 78 loans $5.6 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Fidelity Bank reported 30 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $3.4M (median loan about $75,000). 9 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 9 | 30% |
| Refinance (incl. 4 cash-out) | 6 | 20% |
| Home improvement | 12 | 40% |
| Other purpose | 3 | 10% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 30 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 6 counties with at least one; 93% of its 2025 loans were for properties in Arkansas:
Filed under LEI 549300GDAFL5HNJKDR03 as “Fidelity Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $546.8 million | Larger than 72% of the 25 other certified banks and bank holding companies in Arkansas (median $263.6 million). |
| Loans as a share of assets | 47% | Median of the same 25 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $264.7 million → $257 million (-3%) | Median change of 25 other certified banks and bank holding companies in Arkansas: +6%. Rank by loans held among these 26: 9 → 9. |
| Home loans originated in 2025 (HMDA) | 30 | More than 11% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Arkansas | 25 | larger than 72% |
| Loans held then vs now | certified banks and bank holding companies in Arkansas reporting both dates | 25 | rank 9 → 9 of 26 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 11% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for Fidelity Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 1 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (1, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Fidelity Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Fidelity Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in West Memphis and Arkansas
- Carlson Bancshares, Inc.Bank holding company · West Memphis, AROfficial list only
- Bank of Lake VillageBank or thrift · Lake Village, ARAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Clearway Federal Credit UnionCredit union · Malvern, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Communities Unlimited, Inc.Loan fund · Fayetteville, ARAgriculture / farm loans, Home repair / improvement loans, Small-business loansVerified
- Connect BankBank or thrift · Star City, ARCommercial real estate loans, Equipment loans, Personal / consumer loans, Small-business loansVerified
- Cotton Belt FCUCredit union · Pine Bluff, ARAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
Work at Fidelity Bank? Link to this page
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