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Actually it is. There are two ways to fractional reserve:

1.) Lend out more money than you have.

2.) Give out certificates for more assets than you own.

Wouldn’t lending 10% of everyone’s deposits be fractional reserve?

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No. That’s more than full reserve. Fractional reserve means that you have only a fraction of the assets that you owe.

Fractional reserve is when a bank has $100 deposits and uses this to back a $1000 credit.

Or when a central bank gives out 100 ounces worth of gold notes and only has 1 ounce in the vault.