First Fidelity Bank (Burke, SD)
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Data as of · sourced from FFIEC call reports. How we update
First Fidelity Bank is an FDIC-insured commercial bank headquartered in Burke, SD, established in 1905 (FDIC certificate 1122), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $717.0M, up 8.4% from Q2 2025, the 20th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 12.88% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1122
- Headquarters
- Burke, SD
- Established
- 1905
- Total assets, Q2 2026
- $717.0M
- Assets vs Q2 2025
- +8.4%
- CET1 ratio, Q2 2026
- 12.88%
- Domestic offices
- 11 FDIC institution directory, current count
- Routing number
- 091403865
- Latest call report
- Q2 2026, FFIEC 051 · First Fidelity Bank call report
- Holding company
- FIDELITY CORPORATION
- Asset rank in state
- 20th of 56 in South Dakota
First Fidelity Bank, based in Burke, South Dakota, reported $717 million in assets at June 30, 2026, up 8.4% from a year earlier. It grew its loan book 17.4% over the year, about triple the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also returns 20.8% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Net income for the quarter rose 18% from a year earlier, to $3.2 million. Over the same year, loans grew 17.4% and deposits grew 7.6%. Where it has less room is capital: it funds 9.41% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First Fidelity Bank reported a CET1 capital ratio of 12.88%, a return on assets of 1.79%, a nonperforming-loan ratio of 0.39% and a Texas ratio of 2.88%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Fidelity Bank is the 20th largest of the 56 banks headquartered in South Dakota. From Q1 2026 to Q2 2026, its total assets rose 2.1% to $717.0M, loans rose 6.8% and deposits rose 2.2%. Its loan book on June 30, 2026 was led by agricultural production loans, at 48.5% of total loans, followed by farmland and other real estate loans at 25.2%. Its 11 offices in the FDIC Summary of Deposits are in 11 cities in SD; its Winner office books 31% of its branch deposits. Judged on its Q2 2026 call report, First Fidelity Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 745 Main St, Burke, SD 57523
- County
- Gregory
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Domestic offices
- 11 FDIC institution directory, current count
- Employees (FTE)
- 109
- Domestic deposits
- $648.7M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $98K
- Average total assets
- $713.8M
- Average total loans
- $402.6M
- Average interest-bearing deposits
- $457.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1122
- Fed RSSD
- 80150
- Website
- www.ffb-sd.com →
- Parent Holding Company
- FIDELITY CORPORATION (RSSD 1121788)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Fidelity Bank's total assets ranged from $492.5M (Q3 2023) to $717.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$717.0M total assets against $661.3M; $655.2M total liabilities against $609.2M.
$435.3M net loans and leases against $370.7M; $648.7M total deposits against $602.7M.
$195.7M securities against $205.2M; $43.7M cash and balances due against $44.5M.
$9.5M total interest income against $8.9M; $2.4M total interest expense against $2.5M.
$7.2M net interest income against $6.3M.
$876K total noninterest income against $966K; $4.5M total noninterest expense against $4.4M.
$185K provision for credit losses against $90K.
$3.2M net income against $2.7M.
1.79% return on assets against 1.59%; 4.55% net interest margin against 4.24%.
12.88% CET1 capital ratio against 13.27%; 9.41% tier 1 leverage ratio against 9.03%.
Inside the full First Fidelity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Fidelity Bank rankings
Its closest position to the top of a national ranking is 764 of 3,611, for ROA; its furthest is 1,443 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.38% (Q3 2024) to 1.79% (Q2 2026) and its net interest margin ran from 3.88% (Q3 2024) to 4.55% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.88% | 1.79% | 0.39% | 2.88% | 4.55% |
| Q1 2026 | 13.28% | 1.62% | 0.15% | 1.05% | 4.44% |
| Q4 2025 | 12.67% | 1.69% | 0.05% | 0.39% | 4.42% |
| Q3 2025 | 13.56% | 1.71% | 0.34% | 2.35% | 4.38% |
| Q2 2025 | 13.27% | 1.59% | 0.20% | 1.53% | 4.24% |
| Q1 2025 | 13.46% | 1.46% | 0.06% | 0.47% | 4.06% |
| Q4 2024 | 12.66% | 1.55% | 0.14% | 1.22% | 4.03% |
| Q3 2024 | 12.96% | 1.38% | 0.71% | 5.25% | 3.88% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Winner Branch | Winner , SD | 57580 | $198.0M |
| Platte Branch | Platte , SD | 57369 | $110.4M |
| First Fidelity Bank (main office) | Burke , SD | 57523 | $73.0M |
| Colome Branch | Colome , SD | 57528 | $48.0M |
| Presho Branch | Presho , SD | 57568 | $40.6M |
| Murdo Branch | Murdo , SD | 57559 | $40.5M |
| Gregory Branch | Gregory , SD | 57533 | $37.1M |
| Bonesteel Branch | Bonesteel , SD | 57317 | $30.2M |
| Fort Pierre Branch | Fort Pierre , SD | 57532 | $28.7M |
| White River Branch | White River , SD | 57579 | $26.6M |
| Draper Branch | Draper , SD | 57531 | $15.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 7, 2023 | Structure Change | Acquired Dakota Prairie Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 11, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 9, 1990 | Structure Change | Acquired Ranchers National Bank of Winner Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 2, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 2, 1986 | Structure Change | Acquired First Fidelity Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in SD, rank 21 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $700K approved, $700K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Fidelity Bank
What are First Fidelity Bank's total assets?
As of the Q2 2026 filing, First Fidelity Bank reported total assets of $717.0 million in its FFIEC call report.
Where is First Fidelity Bank headquartered?
It is headquartered in Burke, SD, United States.
When was First Fidelity Bank founded?
It was established in 1905, per the FDIC institution directory.
Is First Fidelity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1122). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Fidelity Bank?
First Fidelity Bank's primary federal regulator is the FDIC.
What is First Fidelity Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.88% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Fidelity Bank operate?
It operates 11 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Fidelity Bank's Texas Ratio?
Its Texas Ratio is 2.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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