BlastPoint's Banking Scorecard

First National Bank

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

Oldham, SD

12 branches across MN · SD · IA · IL

2664 banks in the $100M-$1B peer group nationally 24 in SD

First National Bank has 4 strengths but faces 3 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 6.5% in tier
+ Return on Assets 0.99% above tier average
+ Net Interest Margin 4.16% above tier average
+ Efficiency Ratio 20.54% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 16.4% in tier
- Credit Risk Growth: Bottom 49.6% in tier
- Nonperforming Asset Ratio 1.10% above tier average

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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 ?	$484.3M +5.3% YoY +4.7% QoQ	+$98.2M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$338.8M +2.3% YoY +1.5% QoQ	+$83.1M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	73%
Total Deposits ?	$388.4M +0.6% YoY +2.0% QoQ	+$60.5M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	2.26% +3.9% YoY +8.5% QoQ	+0.99%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	Top 7.7% in tier
Net Interest Margin ?	8.09% -9.5% YoY -7.1% QoQ	+4.16%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Top 0.2% in tier
Efficiency Ratio ?	44.74% +9.8% YoY +5.6% QoQ	-20.54%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	Top 8.7% in tier
Delinquency Rate ?	2.27% +62.2% YoY -3.4% QoQ	+1.38%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	Bottom 10.1% in tier
Loan-to-Deposit Ratio ?	87.23% +1.7% YoY -0.5% QoQ	+10.59%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	14.80% +2.9% YoY +2.2% QoQ	-7.22%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	1.74% +56.6% YoY -6.2% QoQ	+1.10%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	Bottom 8.8% in tier
Tier 1 Capital Ratio ?	22.70% +27.4% YoY +16.9% QoQ	+6.87%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	Top 9.0% in tier
Non-Interest Income / Assets ?	0.69% -13.5% YoY -77.3% QoQ	+0.41%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	Top 2.6% in tier

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$250B+

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 (1)

Revenue Diversifier

growth

#44 of 666 • Top 6.5% 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: 0.69%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.26%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk

#122 of 739 • Bottom 16.4% 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: 22.70%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 87.23%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#484 of 973 • Bottom 49.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 8.09%

Peer Median: 3.93%

#5 of 2664 Top 0.2% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.69%

Peer Median: 0.28%

#69 of 2664 Top 2.6% in $100M-$1B

207

Return on Assets

profitability

Value: 2.26%

Peer Median: 1.27%

#207 of 2664 Top 7.7% in $100M-$1B

232

Efficiency Ratio

profitability

Value: 44.74%

Peer Median: 65.29%

#232 of 2664 Top 8.7% in $100M-$1B

241

Tier 1 Capital Ratio

capital

Value: 22.70%

Peer Median: 15.83%

#241 of 2664 Top 9.0% in $100M-$1B

Top Weaknesses (3 metrics)

2431

Nonperforming Asset Ratio

credit_quality

Value: 1.74%

Peer Median: 0.64%

#2431 of 2664 Bottom 8.8% in $100M-$1B

2387

Delinquency Rate

credit_quality

Value: 2.27%

Peer Median: 0.89%

#2387 of 2654 Bottom 10.1% in $100M-$1B

2038

Non-Interest-Bearing Deposit Share

funding

Value: 14.80%

Peer Median: 22.02%

#2038 of 2664 Bottom 23.5% in $100M-$1B