Burke, SD · Cert 1122 · Fidelity Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
34
Asset Quality
45
Profitability
74
Liquidity
66
Efficiency
70
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.
Burke, SD · Cert 1122 · Fidelity Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.12% | 1.23% | 1.29% | 1.34% | 1.36% | 1.34% | 1.41% | +12 bps | |
| Return on Equity | 13.90% | 14.77% | 16.18% | 16.76% | 16.80% | 16.80% | 15.56% | 16.36% | -40 bps | |
| Net Interest Margin | 3.51% | 3.48% | 3.58% | 3.65% | 3.76% | 3.70% | 3.88% | 3.93% | +29 bps | |
| Efficiency Ratio | 62.44% | 60.86% | 58.11% | 57.23% | 56.52% | 56.16% | 56.15% | 54.58% | -265 bps | |
| Non-Interest Burden | 2.13% | 2.03% | 1.98% | 1.98% | 2.01% | 1.96% | 2.05% | 2.03% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.43% | 2.66% | 5.77% | 5.89% | 3.03% | 8.22% | 5.66% | 8.42% | +254 bps | |
| Loan Growth (YoY) | 38.08% | 10.31% | 6.56% | 4.45% | 4.40% | 10.60% | 15.18% | 17.41% | +1,297 bps | |
| Deposit Growth (YoY) | 22.03% | 3.90% | 6.26% | 7.19% | 6.05% | 7.06% | 4.49% | 7.63% | +45 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.71% | 0.14% | 0.06% | 0.20% | 0.34% | 0.05% | 0.15% | 0.39% | +19 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.01% | 0.03% | 0.01% | 0.01% | 0.01% | 0.04% | 0.04% | +3 bps | |
| Allowance / Loans | 0.52% | 0.50% | 0.54% | 0.54% | 0.53% | 0.48% | 0.53% | 0.52% | -1 bps | |
| Allowance Coverage of NPLs | 0.7x | 3.4x | 8.7x | 2.7x | 1.6x | 9.1x | 3.5x | 1.3x | -1.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.16% | 9.14% | 8.93% | 9.03% | 9.39% | 9.29% | 9.28% | 9.41% | +38 bps | |
| Total Risk-Based Capital | 13.37% | 13.07% | 13.89% | 13.70% | 14.00% | 13.08% | 13.72% | 13.32% | -38 bps | |
| Equity / Assets | 8.17% | 7.54% | 7.71% | 7.88% | 8.76% | 8.51% | 8.72% | 8.61% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.39% | 63.47% | 58.56% | 61.83% | 62.40% | 65.57% | 64.55% | 67.45% | +562 bps | |
| Liquid Assets / Assets | 1.61% | 1.65% | 5.76% | 3.18% | 1.68% | 1.51% | 4.02% | 2.49% | -69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 64.03% | 64.32% | 63.21% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.72% | 1.06% | 1.45% | Beats 72% | 212 / 746 | ||
| Return on Equity | 16.15% | 6.74% | 10.51% | 13.63% | Beats 88% | 92 / 746 | ||
| Net Interest Margin | 3.93% | 3.17% | 3.68% | 4.16% | Beats 63% | 278 / 746 | ||
| Efficiency Ratio | 57.48% | 55.74% | 64.58% | 75.47% | Beats 70% | 227 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.42% | 1.07% | Beats 53% | 352 / 743 | ||
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 36% | 477 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.88% | 11.55% | 13.75% | 17.60% | Beats 40% | 445 / 746 | ||
| Total Risk-Based Capital Ratio | 13.32% | 11.71% | 14.33% | 18.43% | Beats 41% | 440 / 746 | ||
| Equity / Assets | 8.61% | 8.90% | 10.51% | 13.06% | Beats 21% | 588 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.45% | 61.31% | 78.27% | 90.78% | 32nd pctl | 504 / 746 | ||
| Loans / Assets | 61.03% | 53.60% | 66.97% | 76.08% | 37th pctl | 470 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||