FDIC INSURANCE IS NOT WHY YOU SHOULD CHOOSE A BANK

Fidelity State Bank and Trust Company has 18.78% Capital.

Six percent (6.00%) is considered a well capitalized bank per regulatory guidelines as shown on the FDIC website. Proposed capital requirements add an additional 2.5% Capital Buffer onto the 6% requirement.

Fidelity State Bank and Trust Company has always been and continues to be one of the strongest financial institutions in the region. As you can see on the above graph, Fidelity's Capital ratio is 18.78%, which is more than three times the regulatory guidelines because we believe protecting your deposits is one of our primary obligations. Capital of the bank is the ownership assets at risk long before the FDIC Insurance would affect a customer.

This information can be found by using the BankFind Tool at www.fdic.gov.