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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.14% | 0.91% | 0.88% | 0.96% | 1.02% | 1.30% | 1.31% | +43 bps | |
| Return on Equity | 12.34% | 11.28% | 8.61% | 8.30% | 8.94% | 9.39% | 11.72% | 11.72% | +343 bps | |
| Net Interest Margin | 2.59% | 2.68% | 2.92% | 2.97% | 3.08% | 3.11% | 3.45% | 3.47% | +50 bps | |
| Efficiency Ratio | 57.36% | 59.66% | 66.40% | 65.86% | 64.13% | 63.28% | 60.66% | 58.97% | -689 bps | |
| Non-Interest Burden | 0.80% | 1.06% | 1.70% | 1.72% | 1.71% | 1.69% | 1.78% | 1.74% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.36% | -0.36% | 3.28% | 1.14% | 0.69% | 0.27% | 1.73% | 0.77% | -36 bps | |
| Loan Growth (YoY) | 4.95% | 0.15% | -0.61% | -2.33% | -2.86% | -2.25% | -0.72% | 2.54% | +487 bps | |
| Deposit Growth (YoY) | 3.51% | 2.91% | 4.06% | 6.68% | 2.93% | 3.20% | 4.25% | 2.77% | -391 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.27% | 0.16% | 0.19% | 0.21% | 0.36% | 0.30% | 0.43% | 0.42% | +20 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.10% | 0.01% | 0.03% | 0.06% | 0.07% | 0.05% | 0.02% | -1 bps | |
| Allowance / Loans | 1.21% | 1.22% | 1.24% | 1.24% | 1.25% | 1.24% | 1.26% | 1.25% | +1 bps | |
| Allowance Coverage of NPLs | 4.5x | 7.5x | 6.5x | 5.9x | 3.5x | 4.2x | 2.9x | 3.0x | -2.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.70% | 9.94% | 9.98% | 10.04% | 10.24% | 10.21% | 10.49% | 10.37% | +33 bps | |
| Total Risk-Based Capital | 9.70% | 9.94% | 9.98% | 10.04% | 10.24% | 10.21% | 10.49% | 10.37% | +33 bps | |
| Equity / Assets | 10.37% | 10.57% | 10.52% | 10.82% | 10.99% | 11.26% | 10.99% | 11.27% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.31% | 89.92% | 85.69% | 85.89% | 86.17% | 85.16% | 81.61% | 85.70% | -19 bps | |
| Liquid Assets / Assets | 11.76% | 12.35% | 15.29% | 15.01% | 15.08% | 13.88% | 16.63% | 12.61% | -241 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 334% | 329% | 318% | n/a | n/a | |