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
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% | 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 |