Brookings, SD · Cert 3973 · Fishback Financial Corp.
State charter, non-member · FDIC · 22 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.1% share · #9 of 42 inst. · $1.1B of $1127.8B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.96% | 1.02% | 1.30% | 1.31% | +43 bps | |
| Return on Equity | 8.30% | 8.94% | 9.39% | 11.72% | 11.72% | +343 bps | |
| Net Interest Margin | 2.97% | 3.08% | 3.11% | 3.45% | 3.47% | +50 bps | |
| Efficiency Ratio | 65.86% | 64.13% | 63.28% | 60.66% | 58.97% | -689 bps | |
| Non-Interest Burden | 1.72% | 1.71% | 1.69% | 1.78% | 1.74% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.14% | 0.69% | 0.27% | 1.73% | 0.77% | -36 bps | |
| Loan Growth (YoY) | -2.33% | -2.86% | -2.25% | -0.72% | 2.54% | +487 bps | |
| Deposit Growth (YoY) | 6.68% | 2.93% | 3.20% | 4.25% | 2.77% | -391 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.36% | 0.30% | 0.43% | 0.42% | +20 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | 0.07% | 0.05% | 0.02% | -1 bps | |
| Allowance / Loans | 1.24% | 1.25% | 1.24% | 1.26% | 1.25% | +1 bps | |
| Allowance Coverage of NPLs | 5.9x | 3.5x | 4.2x | 2.9x | 3.0x | -2.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.04% | 10.24% | 10.21% | 10.49% | 10.37% | +33 bps | |
| Total Risk-Based Capital | 10.04% | 10.24% | 10.21% | 10.49% | 10.37% | +33 bps | |
| Equity / Assets | 10.82% | 10.99% | 11.26% | 10.99% | 11.27% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.89% | 86.17% | 85.16% | 81.61% | 85.70% | -19 bps | |
| Liquid Assets / Assets | 15.01% | 15.08% | 13.88% | 16.63% | 12.61% | -241 bps | |
| CRE / Total Capital | n/a | 334% | 329% | 318% | n/a | n/a | |