First Fidelity Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.90 percentage points in Q2 2026, from 64.55% to 67.45%. It was the largest change from Q1 2026 among the key lines here. First Fidelity Bank ranks 36th of 56 South Dakota banks on loan-to-deposit ratio, in the lower half at 67.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Fidelity Bank sits 13.39 points lower, at 67.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $437.6M |
| Net loans and leases | $435.3M |
| Loans held for sale | $170K |
| Loans to total assets | 61.03% |
| Loan-to-deposit ratio | 67.45% |
| Net loans to equity capital | 7.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.46% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 9.75% |
| Consumer | 3.21% |
| Credit cards | 0.00% |
| Farm | 25.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.38% |
| Construction concentration (Tier 1 capital + allowance) | 15.77% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.68% |
| Interest income on loans | $7.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $258.5M | $461.4M | 6.14% | 9.18% | 4.16% |
| Q4 2023 | $342.5M | $572.8M | 8.25% | 9.19% | 3.88% |
| Q1 2024 | $333.8M | $571.7M | 8.62% | 10.07% | 3.95% |
| Q2 2024 | $356.8M | $562.3M | 8.05% | 10.98% | 3.74% |
| Q3 2024 | $356.9M | $563.0M | 8.30% | 10.60% | 3.82% |
| Q4 2024 | $377.8M | $595.2M | 8.01% | 9.85% | 3.67% |
| Q1 2025 | $355.7M | $607.4M | 8.31% | 11.17% | 3.82% |
| Q2 2025 | $372.7M | $602.7M | 7.74% | 11.84% | 3.75% |
| Q3 2025 | $372.6M | $597.1M | 7.53% | 10.91% | 3.76% |
| Q4 2025 | $417.8M | $637.2M | 6.49% | 9.21% | 3.47% |
| Q1 2026 | $409.7M | $634.7M | 6.79% | 9.26% | 3.40% |
| Q2 2026 | $437.6M | $648.7M | 6.46% | 9.75% | 3.21% |
First Fidelity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fidelity Bank, freeSource: Call Report Schedule RC-C, 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)