First Fidelity Bank
Burke, SD · Cert 1122 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 87% of banks under $1B in assets operating in a single state (rank 95 of 755).
- Widest gap: equity / assets trails 79% of banks under $1B in assets operating in a single state (rank 597 of 755).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.39%
Rank 213 of 755
Net Interest Margin
3.93%
Rank 281 of 755
Efficiency Ratio
57.48%
Rank 224 of 755
Equity / Assets
8.61%
Rank 597 of 755
Non-interest income vs. expense
Unfavorable gap of $14.5M · efficiency ratio beats 70% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.72% | 1.06% | 1.45% | Beats 72% | 213 / 755 | |
| Return on Equity | 16.15% | 6.66% | 10.44% | 13.61% | Beats 87% | 95 / 755 | |
| Net Interest Margin | 3.93% | 3.15% | 3.68% | 4.17% | Beats 63% | 281 / 755 | |
| Efficiency Ratio | 57.48% | 55.75% | 64.78% | 75.61% | Beats 70% | 224 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.09% | 0.42% | 1.05% | Beats 52% | 362 / 751 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 37% | 472 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 11.56% | 13.81% | 17.74% | Beats 40% | 452 / 755 | |
| Total Risk-Based Capital Ratio | 13.32% | 11.72% | 14.46% | 18.53% | Beats 41% | 449 / 755 | |
| Equity / Assets | 8.61% | 8.93% | 10.56% | 13.13% | Beats 21% | 597 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 67.45% | 62.43% | 78.62% | 91.00% | 31st pctl | 523 / 755 | |
| Loans / Assets | 61.03% | 54.70% | 67.27% | 76.55% | 36th pctl | 485 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |