First Fidelity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Fidelity Bank of Burke, SD against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.79% | 1.34% | +0.45% | 78th top |
| ROAE | 20.75% | 13.32% | +7.43% | 89th top |
| Net Interest Margin | 4.55% | 3.93% | +0.62% | 81st top |
| Efficiency Ratio | 51.86% | 61.14% | -9.28% | 77th top |
| PPNR / Avg Assets | 1.98% | 1.68% | +0.30% | 72nd above |
| Yield on Earning Assets | 6.03% | 5.67% | +0.36% | 70th above |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 3.95% | 3.32% | +0.63% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.11% | 0.94% | -0.83% | 72nd above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 75th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.16% | -0.10% | 25th below |
| ACL / Total Loans | 0.52% | 1.28% | -0.76% | 3rd bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 474.33% | 1546.93% | -1072.60% | 70th above |
| Texas Ratio | 2.88% | 7.34% | -4.46% | 54th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 377.55% | 1395.94% | -1018.39% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.88% | 19.49% | -6.61% | 26th below |
| Tier 1 Ratio | 12.88% | 19.53% | -6.65% | 26th below |
| Total Capital Ratio | 13.32% | 20.61% | -7.29% | 20th bottom |
| Leverage Ratio | 9.41% | 12.14% | -2.73% | 20th bottom |
| Equity / Assets | 8.61% | 11.37% | -2.76% | 21st bottom |
| TCE / Tangible Assets | 8.02% | 11.09% | -3.07% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.45% | 80.67% | -13.22% | 74th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.50% | 86.85% | +1.65% | 46th below |
| Wholesale Funding Ratio | 0.01% | 5.04% | -5.03% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.42% | 6.84% | +1.58% | 77th top |
| Loan Growth (Y/Y) | 17.41% | 7.91% | +9.50% | 90th top |
| Deposit Growth (Y/Y) | 7.63% | 6.29% | +1.34% | 74th above |
See First Fidelity Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Fidelity Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Fidelity Bank profile, how to read a UBPR, or how this data updates.