Fidelity Bank of Texas

Fidelity Bank of Texas is an independent community bank headquartered in Waco, TX, founded in 1973 and serving Central Texas businesses for over 50 years. As a locally owned institution, it emphasizes relationship banking and personal service — a hallmark of community banks that often translates to more flexible underwriting conversations than larger regional competitors. For small business borrowers, the bank offers a practical range of commercial products including lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Specific rate ranges, minimum credit scores, and revenue thresholds are not publicly disclosed, so prospective borrowers should expect to engage directly with a banker to understand qualifying criteria. The bank's long operating history and community focus suggest stability, though its Central Texas footprint means businesses operating outside that region are unlikely to be a fit.