Fidelity is providing stale quotes.
The SPY's 4:00 PM close was $292.45 but the last trade in the SPY 8/21 292 call was as you posted:
$0.86 bid x $0.94 ask
This option quote occurred at 4:14:59 PM at which time the SPY was at $292.86 x $292.89
The market maker has no incentive to offer the exact intrinsic value so the option quote will always be a ...
The reported SPY close of $292.45 occurred around 4:00, not 4:15. From what I see, SPY rose in after-hours trading and reached $292.84 at 4:15. This is nearly in line with the price of the option, which can trade until 4:15.