# FIRST FIDELITY BANK
BURKE, SD · FDIC certificate 1122 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $717.0M | |
| Deposits | $648.7M | |
| Loans and leases | $437.6M | |
| Total equity | $61.8M | |
| Loans / deposits | 67.10% (p21 of band) | 82.04% |
| Liquid assets / assets | 33.40% (p73 of band) | |
| Uninsured deposits / deposits | 18.51% (p23 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.41% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | -16.59% (p28 of band) | -8.10% |
| AOCI / equity | -1.42% (p14 of band) | |
| ROA (annualized) | 1.71% (p75 of band) | 1.28% |
| Net interest margin | 4.32% (p74 of band) | 3.91% |
| Efficiency ratio | 54.58% (p29 of band) | |
| Noncurrent loans | 0.39% (p48 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p69 of band) | |
| Reserve coverage of noncurrent | 133.82% | |
| Real estate % of loans | 38% | |
| Construction % of loans | 17.63% (p22 of band) | |
| Auto loans | $7.4M (1.69% of loans; DQ 1.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 109 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | AOCI drag >20% of equity | capital falling |
| 2013-12 | 2 | losing money | AOCI drag >20% of equity |
| 2014-03 | 1 |  | losing money |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 2 | capital falling, reserve under noncurrent |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | reserve under noncurrent |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity, reserve under noncurrent | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 2 | uninsured deposits leaving | reserve under noncurrent, deposits shrinking |
| 2023-12 | 1 |  | uninsured deposits leaving |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 3 | reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | reserve under noncurrent, uninsured deposits leaving |
| 2025-03 | 2 | capital falling, uninsured deposits leaving | securities losses >30% of equity |
| 2025-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-10-17 [First Fidelity Bank acquires Dakota Prairie Bank - KELOLAND.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOSWl1WmhfcU9Yc2dwX0g5S1ZsT0lIQ1BNVEQtVHFWVVZhSENaVG0xV19zcGZpREdpeGREQ1c1V0ZtNmFNX3VFSlNBR25VdVNsOUhsUnNsazV5MVQwa3ZzWVVSVDUxTUFwWkE1Q3pDU1NkV2UzRzhkQjMxZUdBZTJ1aXdrSDVnc192NW1nekRTa0ZnWWda0gGaAUFVX3lxTFBfUFd1b3hEYk9RdlNlZGFKM2ZIMngzS0cyeEYySGhGVUNjMXRwbmVtbXA2TDFjUHJuZjA4Q25aeDN4cWhTYTVBa1NVWWNZVVY0RHo4VDVJb0RPeDJZUmhUNm1rR2JBZlBWSVI3SmxCcFZxRXFmMWoyWHNQckwtNFVNWkphRFpKZFJKaEhJWHNIdkhNQXJnNVJxNmc?oc=5) · KELOLAND.com
- 2023-03-28 [SVB’s closure rocked banking world. Can it happen in South Dakota? - South Dakota News Watch](https://news.google.com/rss/articles/CBMifkFVX3lxTE1Xbnc0Slkxc08xSkUtSExDcTJrZXNGSnJVb1U1cjRGcHNWMDVsTF9adnBhWjJkVDZrd092akZ1SDRObTRsUEF5Z1VVMU1kWnRaYXhBMHRVSUUwVE5UVlhsYWFqNWltUG5fRDN1blVQQzYxMm5ydUlXZGw3VXB6UQ?oc=5) · South Dakota News Watch
- 2026-05-18 [Burke senior housing project aims to ease community housing crunch - Mitchell Republic](https://news.google.com/rss/articles/CBMirwFBVV95cUxNVjdYQmdiUWJNaWxGZVhOdElIaUtRdmtwRDZWT1JCNW90bVR0ZVVNX1NRd1hnT1MwX0EzVl9OSm9fbUJLeTNaeFFPUjZTekNqLVdNak1CRWppa1NWVEdvdEVmUG9xXzJORnluV0piNldNaXB2emhUZkpzeHRHQ2JDcFBya0tpXzdqdWNoaENzcEprOURUZzRlQjdVckhuNnRvYUY3dEVqWW5wWU9RQUUw?oc=5) · Mitchell Republic
- 2025-02-24 [Robert James Scheinost Obituary Feb 24, 2025 - Mason Funeral Home & Cremation Services - masonfh.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1xVjdXNmVDSk50OUZOckd4bG5GRG5MVlhkX190QmNMbWpOYmpVelRSSW1lZW1PVkZianBfd3ZhbHVqbmtCM0l0bTdtNGNxX0pfZlpOYnZfb052ZF9ISVE?oc=5) · masonfh.com
- 2025-02-11 [Reliabank names Joshua Hogue as new CEO: Banking 'is who I am' - Argus Leader](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOLXo1UERDa0ZrbGtUUUVEZGZVdDYyd3lseTdHbzVaZGFDU2UxbHRGVUkwNGUzcWZOOFFKN0lBUDBNS0l0V2FyN3NwRlRRWFdUZV9xVTNSa3VpaTBxS2FBRHRHRUFWR0pJMWgxWnROWk9qRG9mQzhHT2haNGRENkJLVE1naS03QkZnMFdSY1g0eFBsSWdmcHBwaktneHpkbkV1Vk94NU9PaTBQb3Y0QkxRMDdFS0hiaWk2VFRBN0paZEduaDFxQkg0NDB5YlRWWEtrUmZsLQ?oc=5) · Argus Leader
- 2024-11-11 [Kathy Sue Rajewich Obituary Nov 11, 2024 - Kotrba-Smith Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE5iLVBvTmlOSDc1MzBlS2lMZGQzdElodWpZWEFGTExCM1RMa1Y2dU0tbDJEVjhCeVdDckpEanV0bFNNdHgwdHU5MkNEMjRLb1hhQXNuUnUxRzItS1UyWDQtSzFpeWdOdmE3bjJmcGdtT1c?oc=5) · Kotrba-Smith Funeral Home
- 2024-12-20 [Google Wallet supports 16 new US banks now - Android Police](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNclpKM0FwMldQeUU2d29DMEp1UExpNmdVU0FsTHpRVnVhcW9Kb2pYTDZnV0QtTGlDMWhLcUY3X245bkRWSVU4OUlMM1RrUXZmV1dDU0lsS0RuaFA2WXZFMjJON055ZHprSmV0Z0dhT3A2a1hjdmhZbTV6OXVJLXFnTy1BMXg4Sk9oQldn?oc=5) · Android Police
- 2023-04-23 [David Wonnenberg Obituary (2023) - Gregory, SD - Kotrba-Smith Funeral Home - Gregory - Legacy obituary](https://news.google.com/rss/articles/CBMihgFBVV95cUxOaXh6S2YxdkVXbzdPN2FvNjNEQjZXZXBqcWZ0MTFWRWt1eWE5Ukp2d0xiZGNsVWZKUnE4ZGpZRzFiTDQ2QkFDZk9ZcE5SYThvOHMxQUdZSzlabnlzenlRa1dxamNSUlR3WnBfczVnTG1xczdhSkh6WjYxUmQ5RDFVOXhzNHhXUQ?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1122 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "1122", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide