First Fidelity Bank
Total assets
$717.0M
▲ +8.4% YoY
Deposits
$648.7M
▲ +7.6% YoY
Loans
$435.3M
▲ +17.4% YoY
Offices
11
FIDELITY CORP
ROA (annualized)
1.71%
peers 1.28%
ROE (annualized)
19.81%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | First Fidelity Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.9% | +3.5 pts |
| Deposit growth (YoY) | +7.6% | +4.3% | +3.3 pts |
| Loan growth (YoY) | +17.4% | +5.3% | +12.1 pts |
| ROA | 1.71% | 1.28% | +0.4 pts |
| ROE | 19.8% | 12.4% | +7.4 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
Profile
- Established
- 1905
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FIDELITY CORP
- Specialization
- Agricultural Specialization
- Address
- 745 Main St, Burke, SD, 57523
- County
- Gregory
- Offices
- 11
- FDIC cert #
- 1122
- RSSD ID
- 80150
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $717.0M | $648.7M | $435.3M | $61.8M | $6.0M | 1.71% | 4.32% | 0.24% |
| Q1 2026 | $702.2M | $634.7M | $407.5M | $61.2M | $2.8M | 1.62% | 4.25% | 0.09% |
| Q4 2025 | $704.1M | $637.2M | $415.8M | $59.9M | $10.9M | 1.64% | 4.15% | 0.03% |
| Q3 2025 | $661.8M | $597.1M | $370.6M | $58.0M | $8.0M | 1.62% | 4.15% | 0.19% |
| Q2 2025 | $661.3M | $602.7M | $370.7M | $52.1M | $5.1M | 1.56% | 4.09% | 0.11% |
| Q1 2025 | $664.6M | $607.4M | $353.8M | $51.2M | $2.5M | 1.49% | 3.97% | 0.03% |
| Q4 2024 | $650.6M | $595.2M | $375.9M | $49.1M | $8.5M | 1.34% | 3.84% | 0.08% |
| Q3 2024 | $642.4M | $563.0M | $355.0M | $52.5M | $6.0M | 1.27% | 3.81% | 0.39% |
Loan mix (Q2 2026): real estate $165.9M · commercial $42.7M · consumer $14.1M · securities $195.7M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | First Fidelity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.28% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 12.4% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.89% | 75th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 61.2% | 30th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | First Fidelity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | First Fidelity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | First Fidelity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | First Fidelity Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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