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First National Bank

$100M-$1B Specialty: Agricultural SD FDIC cert 25894

Oldham, SD

14 branches across MN · SD · IA · IL

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 24 in SD.
  • Deposits +1.4% year over year ($380.1M on the books).
  • Delinquency rate 2.15%.
  • Return on assets 2.18%.
  • Efficiency ratio 45.73% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.58% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 24 in SD
View $100M-$1B leaderboard (SD) →

First National Bank has 4 strengths but faces 4 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 6.0% in tier
  • + Return on Assets 0.85% above tier average
  • + Net Interest Margin 4.20% above tier average
  • + Efficiency Ratio 18.75% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 15.2% in tier
  • - Liquidity Overhang: Bottom 17.4% in tier
  • - Nonperforming Asset Ratio 1.04% above tier average
  • - Delinquency Rate 1.23% above tier average
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 ? $477.8M
+6.3% YoY -1.3% QoQ
+$91.3M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $344.3M
+4.1% YoY +1.6% QoQ
+$86.0M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $380.1M
+1.4% YoY -2.1% QoQ
+$53.4M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 2.18%
-1.2% YoY -3.7% QoQ
+0.85% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
Top 9.3% in tier
Net Interest Margin ? 8.18%
-7.6% YoY +1.1% QoQ
+4.20% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
Top 0.2% in tier
Efficiency Ratio ? 45.73%
+9.9% YoY +2.2% QoQ
-18.75% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
Top 9.8% in tier
Delinquency Rate ? 2.15%
-15.6% YoY -5.2% QoQ
+1.23% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
Bottom 11.4% in tier
Loan-to-Deposit Ratio ? 90.58%
+2.7% YoY +3.8% QoQ
+12.62% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 13.51%
-3.5% YoY -8.7% QoQ
-8.52% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
19%
Nonperforming Asset Ratio ? 1.71%
-12.8% YoY -2.0% QoQ
+1.04% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
Bottom 9.9% in tier
Tier 1 Capital Ratio ? 22.81%
+23.8% YoY +0.5% QoQ
+6.90% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
Top 9.2% in tier
Non-Interest Income / Assets ? 1.39%
-12.3% YoY +102.5% QoQ
+0.83% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
Top 2.4% 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 13.5%
-0.5pp YoY
-1.3pp QoQ
 -8.6pp 22.1% 23.5% 22.2% 19%
Brokered Deposits n/a n/a 7.9% 8.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 7.2%
+2.2pp YoY
+1.5pp QoQ
 -4.4pp 11.6% 14.1% 12.5% 34%
CRE 40.2%
-2.6pp YoY
-0.6pp QoQ
 +0.7pp 39.5% 31.5% 41.4% 53%
1-4 Family 11.7%
+0.9pp YoY
+0.1pp QoQ
 -20.9pp 32.6% 14.9% 31.3% 14%
Consumer 18.1%
-3.0pp YoY
-0.5pp QoQ
 +14.0pp 4.1% 8.5% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 20.5%
+4.5pp YoY
+0.2pp QoQ
 +1.6pp 18.8% 17.6% 19.7% 79%
Leverage Ratio 18.4%
+3.3pp YoY
+0.1pp QoQ
 +6.2pp 12.2% 11.9% 12.6% 95%
Total Capital Ratio 24.1%
+4.4pp YoY
+0.1pp QoQ
 +4.2pp 19.9% 18.8% 20.8% 85%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 82
0 YoY
0 QoQ
 +23 58 6,279 482 78%
Assets per Employee ($) $5.8M
+6.3% YoY
-1.3% QoQ
 -$1.7M $7.5M $8.1M $8.8M 30%
Branch Count 12
0 YoY
0 QoQ
 +7 4 92 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 2.1%
-0.4pp YoY
-0.1pp QoQ
 +1.2pp 0.9% 1.0% 1.0% 89%
Allowance Coverage 3.12x
+2.7% YoY
+2.0% QoQ
 -21.04x 24.15x 96.54x 20.23x 60%
Net Charge-off Rate (YTD) 4.6%
-2.3pp YoY
-0.3pp QoQ
 +4.5pp 0.1% 0.7% 0.2% 100%

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 12.8%
-3.2pp YoY
-1.0pp QoQ
 +0.6pp 12.2% 12.4% 11.6% 55%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 33%
Net Income ($, YTD) $5.2M
+3.4% YoY
— QoQ
 +$2.6M $2.6M $418.8M $40.4M 88%

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 (1)

Revenue Diversifier

growth
#41 of 661 • Top 6.0% 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: 1.39%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.18%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#106 of 691 • Bottom 15.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.58%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Liquidity Overhang

risk
#130 of 742 • Bottom 17.4% 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: 22.81%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 90.58%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

5
Net Interest Margin
profitability
Value: 8.18%
Peer Median: 3.99%
#5 of 2643 Top 0.2% in $100M-$1B
64
Non-Interest Income / Assets
revenue_mix
Value: 1.39%
Peer Median: 0.57%
#64 of 2643 Top 2.4% in $100M-$1B
245
Tier 1 Capital Ratio
capital
Value: 22.81%
Peer Median: 15.91%
#245 of 2643 Top 9.2% in $100M-$1B
246
Return on Assets
profitability
Value: 2.18%
Peer Median: 1.32%
#246 of 2643 Top 9.3% in $100M-$1B
261
Efficiency Ratio
profitability
Value: 45.73%
Peer Median: 64.48%
#261 of 2643 Top 9.8% in $100M-$1B

Top Weaknesses (4 metrics)

2382
Nonperforming Asset Ratio
credit_quality
Value: 1.71%
Peer Median: 0.67%
#2382 of 2643 Bottom 9.9% in $100M-$1B
2334
Delinquency Rate
credit_quality
Value: 2.15%
Peer Median: 0.92%
#2334 of 2633 Bottom 11.4% in $100M-$1B
2135
Non-Interest-Bearing Deposit Share
funding
Value: 13.51%
Peer Median: 22.03%
#2135 of 2643 Bottom 19.3% in $100M-$1B
1984
Loan-to-Deposit Ratio
liquidity
Value: 90.58%
Peer Median: 77.95%
#1984 of 2643 Bottom 25.0% in $100M-$1B
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