BlastPoint's Banking Scorecard

First National Bank

$1B-$10B Specialty: Commercial SD FDIC cert 14712

Designations: ✓ Community bank

Fort Pierre, SD

20 branches across SD · CO · WY

884 banks in the $1B-$10B peer group nationally 15 in SD

First National Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 0.1% in tier
+ Profitability Leader: Top 26.2% in tier
+ Net Interest Margin 3.62% above tier average
+ Efficiency Ratio 17.00% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.1% in tier
- Liquidity Overhang: Bottom 4.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$2.0B +20.1% YoY -1.3% QoQ	-$769.2M	$2.8B -0.1% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$1.5B +14.2% YoY +1.0% QoQ	-$506.2M	$2.0B +0.6% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$1.5B +23.5% YoY -2.3% QoQ	-$808.4M	$2.3B -0.3% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	46%
Return on Assets ?	2.51% +7.2% YoY +12.1% QoQ	+1.15%	1.37% +19.6% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	Top 3.5% in tier
Net Interest Margin ?	7.44% -8.0% YoY -6.2% QoQ	+3.62%	3.82% +6.9% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Top 1.5% in tier
Efficiency Ratio ?	44.06% +15.9% YoY +6.7% QoQ	-17.00%	61.06% -4.6% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	Top 10.2% in tier
Delinquency Rate ?	0.86% -39.7% YoY -15.6% QoQ	-0.03%	0.89% +14.1% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	95.03% -7.5% YoY +3.4% QoQ	+10.83%	84.20% +0.3% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	20.97% -7.7% YoY -5.0% QoQ	-0.32%	21.29% -2.5% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	0.65% -50.4% YoY -12.9% QoQ	-0.03%	0.67% +15.6% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	26.31% -8.3% YoY +3.2% QoQ	+11.15%	15.16% +2.0% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	Top 3.5% in tier
Non-Interest Income / Assets ?	0.71% +20.8% YoY -71.1% QoQ	+0.45%	0.26% +1.6% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	Top 4.4% in tier

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#1 of 221 • Top 0.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.71%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 2.51%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#59 of 221 • Top 26.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.51%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Cost Spiral

risk

#1 of 31 • Bottom 0.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 44.06%

(Tier: 61.06%, National: 66.95%)

better than tier avg

31 of 31 Mid-Market banks match · 176 nationally

↑ Growing +82 banks QoQ

Liquidity Overhang

risk

#8 of 174 • Bottom 4.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 26.31%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 95.03%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 7.44%

Peer Median: 3.82%

#14 of 884 Top 1.5% in $1B-$10B

Return on Assets

profitability

Value: 2.51%

Peer Median: 1.37%

#32 of 884 Top 3.5% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 26.31%

Peer Median: 15.16%

#32 of 884 Top 3.5% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.71%

Peer Median: 0.26%

#40 of 884 Top 4.4% in $1B-$10B

Efficiency Ratio

profitability

Value: 44.06%

Peer Median: 61.06%

#91 of 884 Top 10.2% in $1B-$10B

Top Weaknesses (1 metrics)

669

Loan-to-Deposit Ratio

liquidity

Value: 95.03%

Peer Median: 84.20%

#669 of 884 Bottom 24.4% in $1B-$10B