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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
Deposits +21.9% year over year ($1.5B on the books).
Delinquency rate 0.72%.
Return on assets 2.50%.
Efficiency ratio 44.42% vs a 59.73% peer average.
Loan-to-deposit ratio 98.94% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 16 in SD

View $1B-$10B leaderboard (SD) →

First National Bank has 5 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 23.0% in tier
+ Net Interest Margin 3.66% above tier average
+ Efficiency Ratio 15.31% below tier average
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.1% in tier
- Liquidity Overhang: Bottom 3.5% in tier

Get updates when First National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$2.0B +18.8% YoY -0.7% QoQ	-$761.0M	$2.8B -0.6% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$1.5B +14.4% YoY +2.5% QoQ	-$468.3M	$2.0B -0.3% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$1.5B +21.9% YoY -1.6% QoQ	-$807.9M	$2.3B -0.5% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	46%
Return on Assets ?	2.50% +9.1% YoY -0.5% QoQ	+1.11%	1.39% +17.0% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	Top 4.0% in tier
Net Interest Margin ?	7.53% -7.2% YoY +1.3% QoQ	+3.66%	3.87% +6.2% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	Top 1.4% in tier
Efficiency Ratio ?	44.42% +14.9% YoY +0.8% QoQ	-15.31%	59.73% -12.6% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	Top 11.0% in tier
Delinquency Rate ?	0.72% -35.3% YoY -16.1% QoQ	-0.15%	0.87% +11.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	38%
Loan-to-Deposit Ratio ?	98.94% -6.2% YoY +4.1% QoQ	+13.90%	85.04% -0.1% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	21.10% -3.7% YoY +0.7% QoQ	-0.17%	21.27% -1.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	57%
Nonperforming Asset Ratio ?	0.56% -48.4% YoY -12.7% QoQ	-0.11%	0.67% +11.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	26.19% -8.6% YoY -0.4% QoQ	+11.35%	14.84% -0.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	Top 3.6% in tier
Non-Interest Income / Assets ?	1.55% +32.5% YoY +117.8% QoQ	+1.02%	0.53% +2.5% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	Top 4.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Noninterest-Bearing	21.1% -0.8pp YoY +0.1pp QoQ	-0.3pp	21.4%	23.5%	22.2%	56%
Brokered Deposits	0.1% -0.2pp YoY -0.1pp QoQ	-9.3pp	9.5%	8.7%	8.5%	6%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	11.1% -0.1pp YoY +0.3pp QoQ	-2.9pp	14.0%	14.1%	12.5%	49%
CRE	57.6% +0.1pp YoY +0.1pp QoQ	+7.6pp	50.0%	31.5%	41.4%	70%
1-4 Family	10.4% +0.2pp YoY -0.2pp QoQ	-16.0pp	26.4%	14.9%	31.3%	18%
Consumer	12.7% -2.5pp YoY -0.4pp QoQ	+8.0pp	4.7%	8.5%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	23.9% -2.1pp YoY 0.0pp QoQ	+8.3pp	15.6%	17.6%	19.7%	95%
Leverage Ratio	21.9% -2.6pp YoY +0.7pp QoQ	+10.6pp	11.3%	11.9%	12.6%	99%
Total Capital Ratio	27.5% -2.5pp YoY -0.1pp QoQ	+10.8pp	16.7%	18.8%	20.8%	96%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	210 +48 (+29.6%) YoY -4 (-1.9%) QoQ	-104	313	6,279	482	44%
Assets per Employee ($)	$9.7M -8.4% YoY +1.2% QoQ	-$804K	$10.5M	$8.1M	$8.8M	62%
Branch Count	20 +2 (+11.1%) YoY 0 QoQ	-0	20	92	18	65%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.7% -0.4pp YoY -0.1pp QoQ	-0.1pp	0.8%	1.0%	1.0%	63%
Allowance Coverage	7.06x +31.4% YoY +15.1% QoQ	-11.65x	18.71x	96.54x	20.23x	83%
Net Charge-off Rate (YTD)	3.5% -0.8pp YoY -0.2pp QoQ	+3.2pp	0.3%	0.7%	0.2%	99%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	11.0% +1.7pp YoY -0.2pp QoQ	-1.6pp	12.6%	12.4%	11.6%	41%
Cost of Funds (YTD)	1.4% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.9%	1.7%	1.7%	16%
Net Income ($, YTD)	$25.6M +31.5% YoY — QoQ	+$6.4M	$19.2M	$418.8M	$40.4M	78%

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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 222 • 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: 1.55%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 2.50%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Profitability Leader

growth

#52 of 222 • Top 23.0% in tier

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

Why this signature

Return on Assets: 2.50%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

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: 44.42%

(Tier: 59.73%, National: 70.05%)

better than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 banks QoQ

Liquidity Overhang

risk

#7 of 172 • Bottom 3.5% 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: 26.19%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 98.94%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 7.53%

Peer Median: 3.87%

#13 of 885 Top 1.4% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 26.19%

Peer Median: 14.84%

#33 of 885 Top 3.6% in $1B-$10B

Return on Assets

profitability

Value: 2.50%

Peer Median: 1.39%

#36 of 885 Top 4.0% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 1.55%

Peer Median: 0.53%

#36 of 885 Top 4.0% in $1B-$10B

Efficiency Ratio

profitability

Value: 44.42%

Peer Median: 59.73%

#98 of 885 Top 11.0% in $1B-$10B

Top Weaknesses (1 metrics)

736

Loan-to-Deposit Ratio

liquidity

Value: 98.94%

Peer Median: 85.04%

#736 of 885 Bottom 16.9% in $1B-$10B