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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 $13.9MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $471.0M27%Noninterest $177.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.12%1.23%1.29%1.34%1.36%1.34%1.41%+12 bps
Return on Equity13.90%14.77%16.18%16.76%16.80%16.80%15.56%16.36%-40 bps
Net Interest Margin3.51%3.48%3.58%3.65%3.76%3.70%3.88%3.93%+29 bps
Efficiency Ratio62.44%60.86%58.11%57.23%56.52%56.16%56.15%54.58%-265 bps
Non-Interest Burden2.13%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 / Loans0.71%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 / Loans0.52%0.50%0.54%0.54%0.53%0.48%0.53%0.52%-1 bps
Allowance Coverage of NPLs0.7x3.4x8.7x2.7x1.6x9.1x3.5x1.3x-1.4x
Capital
Tier 1 Leverage Ratio9.16%9.14%8.93%9.03%9.39%9.29%9.28%9.41%+38 bps
Total Risk-Based Capital13.37%13.07%13.89%13.70%14.00%13.08%13.72%13.32%-38 bps
Equity / Assets8.17%7.54%7.71%7.88%8.76%8.51%8.72%8.61%+73 bps
Liquidity & Funding
Loans / Deposits63.39%63.47%58.56%61.83%62.40%65.57%64.55%67.45%+562 bps
Liquid Assets / Assets1.61%1.65%5.76%3.18%1.68%1.51%4.02%2.49%-69 bps
CRE / Total Capitaln/an/an/an/a64.03%64.32%63.21%n/an/a