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First Fidelity Bank

$100M-$1B Specialty: Agricultural SD FDIC cert 1122

Burke, SD

11 branches across SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 24 in SD.
  • Deposits +7.6% year over year ($648.7M on the books).
  • Delinquency rate 0.39%.
  • Return on assets 1.71%.
  • Efficiency ratio 54.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.10% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 24 in SD
View $100M-$1B leaderboard (SD) →

First Fidelity Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.38% above tier average
  • + Net Interest Margin 0.33% above tier average
  • + Efficiency Ratio 9.90% below tier average
  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 34.6% in tier
Get updates when First Fidelity Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $717.0M
+8.4% YoY +2.1% QoQ
+$330.4M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
Top 11.9% in tier
Total Loans ? $435.3M
+17.4% YoY +6.8% QoQ
+$176.9M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $648.7M
+7.6% YoY +2.2% QoQ
+$322.0M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
Top 9.6% in tier
Return on Assets ? 1.71%
+9.2% YoY +5.3% QoQ
+0.38% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 4.32%
+5.6% YoY +1.7% QoQ
+0.33% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
71%
Efficiency Ratio ? 54.58%
-4.6% YoY -2.8% QoQ
-9.90% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
73%
Delinquency Rate ? 0.39%
+96.5% YoY +161.1% QoQ
-0.53% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 67.10%
+9.1% YoY +4.5% QoQ
-10.85% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 27.39%
+3.0% YoY -7.4% QoQ
+5.36% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
74%
Nonperforming Asset Ratio ? 0.24%
+112.8% YoY +173.0% QoQ
-0.43% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
57%
Tier 1 Capital Ratio ? 12.88%
-2.9% YoY -3.0% QoQ
-3.03% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.26%
-9.9% YoY +85.5% QoQ
-0.31% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
65%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Noninterest-Bearing 27.4%
+0.8pp YoY
-2.2pp QoQ
 +5.2pp 22.1% 23.5% 22.2% 74%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 9.8%
-2.1pp YoY
+0.5pp QoQ
 -1.8pp 11.6% 14.1% 12.5% 52%
CRE 9.3%
-1.9pp YoY
-0.7pp QoQ
 -30.2pp 39.5% 31.5% 41.4% 4%
1-4 Family 3.4%
-0.2pp YoY
0.0pp QoQ
 -29.2pp 32.6% 14.9% 31.3% 3%
Consumer 3.2%
-0.5pp YoY
-0.2pp QoQ
 -0.9pp 4.1% 8.5% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 12.9%
-0.4pp YoY
-0.4pp QoQ
 -5.9pp 18.8% 17.6% 19.7% 26%
Leverage Ratio 9.4%
+0.4pp YoY
+0.1pp QoQ
 -2.8pp 12.2% 11.9% 12.6% 20%
Total Capital Ratio 13.3%
-0.4pp YoY
-0.4pp QoQ
 -6.6pp 19.9% 18.8% 20.8% 20%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 109
+3 (+2.8%) YoY
0 QoQ
 +50 58 6,279 482 89%
Assets per Employee ($) $6.6M
+5.4% YoY
+2.1% QoQ
 -$940K $7.5M $8.1M $8.8M 44%
Branch Count 11
0 YoY
0 QoQ
 +6 4 92 18 93%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.1pp YoY
+0.3pp QoQ
 0.0pp 0.3% 0.2% 0.4% 73%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 20%
Allowance Coverage 1.34x
-50.4% YoY
-62.0% QoQ
 -22.82x 24.15x 96.54x 20.23x 36%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.7% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 19.8%
-0.5pp YoY
+1.0pp QoQ
 +7.6pp 12.2% 12.4% 11.6% 88%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 34%
Net Income ($, YTD) $6.0M
+17.3% YoY
— QoQ
 +$3.5M $2.6M $418.8M $40.4M 92%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#436 of 1256 • Bottom 34.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.39%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

254
Total Deposits
size
Value: $648.72M
Peer Median: $326.73M
#254 of 2643 Top 9.6% in $100M-$1B
316
Total Assets
size
Value: $717.01M
Peer Median: $386.57M
#316 of 2643 Top 11.9% in $100M-$1B
464
Total Loans
size
Value: $435.29M
Peer Median: $258.35M
#464 of 2643 Top 17.5% in $100M-$1B
635
Return on Assets
profitability
Value: 1.71%
Peer Median: 1.32%
#635 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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