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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

5.14%Q2 ’245.21%Q2 ’255.34%Q2 ’26+5%+7%

Non-interest income vs. expense

2.82%Q2 ’242.57%Q2 ’252.51%Q2 ’26-10%+1%

Executive Summary

  • Earnings: ROA of 1.48%, up 14 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.39% of loans (+19 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

1.48%+14 bps YoY

Net Interest Margin (quarter, annualized)

4.03%+28 bps YoY

Efficiency Ratio (quarter, annualized)

53.06%-334 bps YoY

Tier 1 Leverage Ratio

9.41%+38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.43%1.42%1.34%1.48%+14 bps
Return on Equity17.28%17.23%16.48%15.56%17.13%-15 bps
Net Interest Margin3.76%3.85%3.86%3.88%4.03%+28 bps
Efficiency Ratio56.40%55.13%55.15%56.15%53.06%-334 bps
Non-Interest Burden2.01%2.01%1.98%2.05%2.02%+2 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 / Loans0.00%0.01%0.00%0.04%0.05%+5 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