First Fidelity Bank

Chartered Bank Active FDIC Insured
Health Score
9.5 / 10

745 Main St, Burke, SD 57523

Financial Overview

Total Assets $702.2M
Total Deposits $634.7M
Profitability (ROA) 1.62%
Shareholder Return (ROE) 18.81%
Capital Cushion (Eq/Assets) 8.72%
Established 01/01/1905

Financial Health Analysis

First Fidelity Bank is a currently active agricultural specialization banking institution headquartered in Burke, South Dakota. Established in 01/01/1905, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First Fidelity Bank manages $702.2M in total assets and holds $634.7M in customer deposits. When evaluating the stability of First Fidelity Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.72%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.62%, while its Return on Equity (ROE) sits at 18.81%. These robust metrics contribute to an overall health score of 9.5 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$57.7M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.ffb-sd.com

FDIC Certificate #: 1122

Specialization: Agricultural Specialization

Location

745 Main St

Burke, South Dakota 57523

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