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First National Bank in Philip

$100M-$1B Specialty: Agricultural SD FDIC cert 3999

Philip, SD

2 branches across SD

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 +13.5% year over year ($400.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.15%.
  • Efficiency ratio 34.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 69.22% 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 in Philip has 3 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

  • + Credit Quality Leader: Top 26.7% in tier
  • + Profitability Leader: Top 27.5% in tier
  • + Efficiency Ratio 29.50% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.1% in tier
  • - Credit Risk Growth: Bottom 30.3% in tier
  • - Net Interest Margin 0.52% below tier average
Get updates when First National Bank in Philip releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $458.4M
+13.2% YoY -1.6% QoQ
+$71.8M $386.6M
+1.2% YoY
$70.4B
+8.4% YoY
$6.3B
+7.7% YoY
68%
Total Loans ? $277.3M
+8.3% YoY +2.8% QoQ
+$19.0M $258.3M
+1.7% YoY
$31.5B
+10.3% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $400.6M
+13.5% YoY -2.1% QoQ
+$73.9M $326.7M
+0.7% YoY
$56.5B
+10.5% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? 2.15%
+19.3% YoY -5.5% QoQ
+0.83% 1.32%
+10.8% YoY
1.40%
+6.8% YoY
1.30%
+12.1% YoY
Top 9.7% in tier
Net Interest Margin ? 3.47%
+4.9% YoY +1.3% QoQ
-0.52% 3.99%
+5.0% YoY
4.26%
+1.1% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 34.98%
-20.5% YoY +9.8% QoQ
-29.50% 64.48%
-3.2% YoY
60.99%
-4.4% YoY
70.05%
+2.5% YoY
Top 1.7% in tier
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.78%
+47.6% YoY
0.98%
+16.3% YoY
Top 11.6% in tier
Loan-to-Deposit Ratio ? 69.22%
-4.6% YoY +5.0% QoQ
-8.73% 77.95%
+1.0% YoY
73.26%
-0.6% YoY
79.03%
+2.3% YoY
70%
Non-Interest-Bearing Deposit Share ? 17.45%
+2.8% YoY -9.6% QoQ
-4.59% 22.03%
-0.6% YoY
23.46%
+3.2% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.54%
+39.8% YoY
0.69%
+15.8% YoY
Top 10.7% in tier
Tier 1 Capital Ratio ? 15.39%
-0.4% YoY -2.0% QoQ
-0.52% 15.91%
+1.4% YoY
15.80%
+1.0% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.12%
-14.0% YoY +90.3% QoQ
-0.45% 0.57%
+7.6% YoY
0.54%
-0.1% YoY
0.66%
+5.2% YoY
25%

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 17.4%
+0.5pp YoY
-1.8pp QoQ
 -4.7pp 22.1% 23.5% 22.2% 33%
Brokered Deposits 7.2%
-0.9pp YoY
+0.2pp QoQ
 -0.6pp 7.9% 8.7% 8.5% 65%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
C&I 6.4%
-2.8pp YoY
-3.6pp QoQ
 -5.1pp 11.6% 14.1% 12.5% 28%
CRE 17.6%
-0.4pp YoY
+0.4pp QoQ
 -22.0pp 39.5% 31.5% 41.4% 14%
1-4 Family 0.5%
+0.4pp YoY
-0.3pp QoQ
 -32.1pp 32.6% 14.9% 31.3% 1%
Consumer 0.9%
+0.1pp YoY
0.0pp QoQ
 -3.3pp 4.1% 8.5% 5.0% 25%

Capital

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
CET1 Ratio 15.4%
-0.1pp YoY
-0.3pp QoQ
 -3.4pp 18.8% 17.6% 19.7% 53%
Leverage Ratio 12.1%
-0.2pp YoY
+0.4pp QoQ
 -0.1pp 12.2% 11.9% 12.6% 66%
Total Capital Ratio 16.5%
-0.1pp YoY
-0.3pp QoQ
 -3.5pp 19.9% 18.8% 20.8% 52%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Full-Time Employees 29
+3 (+11.5%) YoY
+3 (+11.5%) QoQ
 -30 58 6,279 482 25%
Assets per Employee ($) $15.8M
+1.5% YoY
-11.7% QoQ
 +$8.3M $7.5M $8.1M $8.8M 98%
Branch Count 2
0 YoY
0 QoQ
 -3 4 92 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.2% 0.4% 1%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 3850.00x +3825.85x 24.15x 96.54x 20.23x 100%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.7% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
ROE 20.0%
+3.3pp YoY
-1.6pp QoQ
 +7.8pp 12.2% 12.4% 11.6% 88%
Cost of Funds (YTD) 1.9%
-0.5pp YoY
+0.1pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 67%
Net Income ($, YTD) $5.1M
+36.0% 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 (2)

Credit Quality Leader

growth
#177 of 659 • Top 26.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Profitability Leader

growth
#183 of 661 • Top 27.5% in tier

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

Why this signature
Return on Assets: 2.15%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#2 of 1256 • Bottom 0.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Credit Risk Growth

risk
#285 of 936 • Bottom 30.3% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

47
Efficiency Ratio
profitability
Value: 34.98%
Peer Median: 64.48%
#47 of 2643 Top 1.7% in $100M-$1B
258
Return on Assets
profitability
Value: 2.15%
Peer Median: 1.32%
#258 of 2643 Top 9.7% in $100M-$1B
283
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#283 of 2643 Top 10.7% in $100M-$1B
306
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#306 of 2633 Top 11.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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