First Fidelity Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 4.44% to 4.55%, the largest move among the key lines here. First Fidelity Bank ranks 15th of 56 South Dakota banks on net interest margin, in the upper half at 4.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Fidelity Bank sits 0.60 points higher, at 4.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.03% |
| Yield on loans | 7.68% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.18% | 1.47% | 3.77% | 7.66% | 2.38% |
| Q4 2023 | 5.38% | 1.62% | 3.85% | 7.32% | 2.69% |
| Q1 2024 | 5.46% | 1.62% | 3.86% | 7.46% | 2.70% |
| Q2 2024 | 5.49% | 1.72% | 3.83% | 7.34% | 2.71% |
| Q3 2024 | 5.82% | 1.95% | 3.88% | 7.85% | 2.71% |
| Q4 2024 | 5.78% | 1.79% | 4.03% | 7.73% | 2.77% |
| Q1 2025 | 5.68% | 1.65% | 4.06% | 7.65% | 2.83% |
| Q2 2025 | 5.88% | 1.66% | 4.24% | 7.80% | 2.94% |
| Q3 2025 | 6.04% | 1.67% | 4.38% | 7.95% | 3.00% |
| Q4 2025 | 6.04% | 1.64% | 4.42% | 7.84% | 3.05% |
| Q1 2026 | 5.94% | 1.50% | 4.44% | 7.59% | 3.11% |
| Q2 2026 | 6.03% | 1.49% | 4.55% | 7.68% | 3.18% |
First Fidelity Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fidelity Bank, freeSource: Call Report Schedules RI and RC-K, 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)