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First Fidelity Bank

Burke, SD · Cert 1122 · Fidelity Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

34

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Fidelity Bank

Burke, SD · Cert 1122 · Fidelity Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

$717.0MAssets
$437.6MLoans
$648.7MDeposits
$61.8MEquity
Loan mix
75%RE $157.3M18%C&I $38.0M7%Consumer $13.9MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $471.0M27%Noninterest $177.7MQ2 2025Q2 2026

NIM

5.08%Q2 ’245.08%Q2 ’255.24%Q2 ’26+2%+8%

Non-interest income vs. expense

2.88%Q2 ’242.54%Q2 ’252.55%Q2 ’26-11%+2%

Executive Summary

  • Earnings: ROA of 1.41%, up 12 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.39% of loans (+19 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.41%, up 38 bps from a year ago.
  • Funding: loans stand at 67.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+29 bps YoY

Efficiency Ratio (YTD, annualized)

54.58%-265 bps YoY

Tier 1 Leverage Ratio

9.41%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.34%1.36%1.34%1.41%+12 bps
Return on Equity16.76%16.80%16.80%15.56%16.36%-40 bps
Net Interest Margin3.65%3.76%3.70%3.88%3.93%+29 bps
Efficiency Ratio57.23%56.52%56.16%56.15%54.58%-265 bps
Non-Interest Burden1.98%2.01%1.96%2.05%2.03%+4 bps
Growth
Asset Growth (YoY)5.89%3.03%8.22%5.66%8.42%+254 bps
Loan Growth (YoY)4.45%4.40%10.60%15.18%17.41%+1,297 bps
Deposit Growth (YoY)7.19%6.05%7.06%4.49%7.63%+45 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.34%0.05%0.15%0.39%+19 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.04%0.04%+3 bps
Allowance / Loans0.54%0.53%0.48%0.53%0.52%-1 bps
Allowance Coverage of NPLs2.7x1.6x9.1x3.5x1.3x-1.4x
Capital
Tier 1 Leverage Ratio9.03%9.39%9.29%9.28%9.41%+38 bps
Total Risk-Based Capital13.70%14.00%13.08%13.72%13.32%-38 bps
Equity / Assets7.88%8.76%8.51%8.72%8.61%+73 bps
Liquidity & Funding
Loans / Deposits61.83%62.40%65.57%64.55%67.45%+562 bps
Liquid Assets / Assets3.18%1.68%1.51%4.02%2.49%-69 bps
CRE / Total Capitaln/a64.03%64.32%63.21%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Fidelity Bank

Burke, SD · Cert 1122 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Fidelity Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

$717.0MAssets
$437.6MLoans
$648.7MDeposits
$61.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 88% of banks under $1B in assets operating in a single state (rank 92 of 746).
  • Widest gap: equity / assets trails 79% of banks under $1B in assets operating in a single state (rank 588 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.39%

Rank 212 of 746

Net Interest Margin

3.93%

Rank 278 of 746

Efficiency Ratio

57.48%

Rank 227 of 746

Equity / Assets

8.61%

Rank 588 of 746

Non-interest income vs. expense

$3.7M$18.2MINCOMEEXPENSE
Unfavorable gap of $14.5M · efficiency ratio beats 70% of banks under $1B in assets operating in a single state
Bank 57.48%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%0.72%1.06%1.45%Beats 72%212 / 746
Return on Equity16.15%6.74%10.51%13.63%Beats 88%92 / 746
Net Interest Margin3.93%3.17%3.68%4.16%Beats 63%278 / 746
Efficiency Ratio57.48%55.74%64.58%75.47%Beats 70%227 / 746
Asset Quality
Nonperforming Loans / Loans0.39%0.09%0.42%1.07%Beats 53%352 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 36%477 / 743
Capital
Tier 1 Capital Ratio12.88%11.55%13.75%17.60%Beats 40%445 / 746
Total Risk-Based Capital Ratio13.32%11.71%14.33%18.43%Beats 41%440 / 746
Equity / Assets8.61%8.90%10.51%13.06%Beats 21%588 / 746
Liquidity & Funding
Loans / Deposits67.45%61.31%78.27%90.78%32nd pctl504 / 746
Loans / Assets61.03%53.60%66.97%76.08%37th pctl470 / 746
Brokered Deposits / Depositsn/aNot reported for this institution