First Fidelity Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 11.0% lower than in Q1 2026, at -$9.6M. First Fidelity Bank ranks 27th of 36 South Dakota banks on CET1 ratio, in the lower half at 12.88% (Q2 2026). First Fidelity Bank reported 12.88% on CET1 ratio for Q2 2026, 2.19 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 13.32% |
| Tier 1 leverage ratio | 9.41% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $66.8M |
| Tier 1 capital | $66.8M |
| Total risk-based capital | $69.1M |
| Total equity capital | $61.8M |
| Risk-weighted assets | $518.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.61% |
| Tangible equity to tangible assets | 8.02% |
| Equity capital to average assets | 8.65% |
| Internal capital growth rate | 9.95% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $15.8M |
| Retained earnings | $54.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.82% | 14.82% | 15.17% | 9.97% | $330.7M |
| Q4 2023 | 12.74% | 12.74% | 13.14% | 8.97% | $428.6M |
| Q1 2024 | 13.13% | 13.13% | 13.54% | 8.95% | $421.3M |
| Q2 2024 | 12.81% | 12.81% | 13.22% | 9.15% | $439.1M |
| Q3 2024 | 12.96% | 12.96% | 13.37% | 9.16% | $442.7M |
| Q4 2024 | 12.66% | 12.66% | 13.07% | 9.14% | $462.8M |
| Q1 2025 | 13.46% | 13.46% | 13.89% | 8.93% | $442.7M |
| Q2 2025 | 13.27% | 13.27% | 13.70% | 9.03% | $459.7M |
| Q3 2025 | 13.56% | 13.56% | 14.00% | 9.39% | $460.1M |
| Q4 2025 | 12.67% | 12.67% | 13.08% | 9.29% | $501.8M |
| Q1 2026 | 13.28% | 13.28% | 13.72% | 9.28% | $489.6M |
| Q2 2026 | 12.88% | 12.88% | 13.32% | 9.41% | $518.3M |
First Fidelity Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fidelity Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1122) · FFIEC NIC profile (RSSD 80150)