First Fidelity Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 59.36 percentage points higher than in Q1 2026, at 474.33%. First Fidelity Bank ranks 20th of 56 South Dakota banks on return on assets, in the upper half at 1.79% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Fidelity Bank sits 0.53 points higher, at 1.79% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 13.32% |
| Tier 1 leverage ratio | 9.41% |
| Equity capital to assets | 8.61% |
| Tangible equity to tangible assets | 8.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.11% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 2.88% |
| Allowance for credit losses to loans | 0.52% |
| Reserve coverage of non-performing loans | 474.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 20.75% |
| Net interest margin | 4.55% |
| Efficiency ratio | 51.86% |
| Yield on earning assets | 6.03% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.45% |
| Core deposits to total deposits | 88.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.48% |
| Securities to assets | 27.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.82% | 14.82% | 15.17% | 9.97% | 1.53% |
| Q4 2023 | 12.74% | 12.74% | 13.14% | 8.97% | 1.37% |
| Q1 2024 | 13.13% | 13.13% | 13.54% | 8.95% | 1.21% |
| Q2 2024 | 12.81% | 12.81% | 13.22% | 9.15% | 1.26% |
| Q3 2024 | 12.96% | 12.96% | 13.37% | 9.16% | 1.38% |
| Q4 2024 | 12.66% | 12.66% | 13.07% | 9.14% | 1.55% |
| Q1 2025 | 13.46% | 13.46% | 13.89% | 8.93% | 1.46% |
| Q2 2025 | 13.27% | 13.27% | 13.70% | 9.03% | 1.59% |
| Q3 2025 | 13.56% | 13.56% | 14.00% | 9.39% | 1.71% |
| Q4 2025 | 12.67% | 12.67% | 13.08% | 9.29% | 1.69% |
| Q1 2026 | 13.28% | 13.28% | 13.72% | 9.28% | 1.62% |
| Q2 2026 | 12.88% | 12.88% | 13.32% | 9.41% | 1.79% |
First Fidelity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fidelity Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)