BlastPoint's Banking Scorecard

The First National Bank in Sioux Falls

$1B-$10B Specialty: Agricultural SD FDIC cert 4016

Designations: ✓ Community bank

Sioux Falls, SD

19 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 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in SD.
Deposits +10.3% year over year ($1.8B on the books).
Delinquency rate 0.41%.
Return on assets 1.15%.
Efficiency ratio 62.97% vs a 59.73% peer average.
Loan-to-deposit ratio 88.59% 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) →

The First National Bank in Sioux Falls has 1 strength but faces 5 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

+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 17.7% in tier
- Credit Risk Growth: Bottom 41.8% in tier
- ROA 0.24% below tier average
- Net Interest Margin 0.31% below tier average
- Efficiency Ratio 3.25% above tier average

Get updates when The First National Bank in Sioux Falls releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$2.1B +7.3% YoY +0.7% QoQ	-$674.0M	$2.8B -0.6% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	53%
Total Loans ?	$1.6B +9.6% YoY +2.1% QoQ	-$398.3M	$2.0B -0.3% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$1.8B +10.3% YoY +0.4% QoQ	-$552.3M	$2.3B -0.5% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	53%
Return on Assets ?	1.15% +33.0% YoY +6.6% QoQ	-0.24%	1.39% +17.0% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	41%
Net Interest Margin ?	3.56% +11.7% YoY +1.0% QoQ	-0.31%	3.87% +6.2% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	40%
Efficiency Ratio ?	62.97% -8.4% YoY -2.2% QoQ	+3.25%	59.73% -12.6% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	38%
Delinquency Rate ?	0.41% +7.0% YoY -3.0% QoQ	-0.45%	0.87% +11.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	60%
Loan-to-Deposit Ratio ?	88.59% -0.7% YoY +1.7% QoQ	+3.55%	85.04% -0.1% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	23.03% -4.6% YoY +1.3% QoQ	+1.76%	21.27% -1.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	64%
Nonperforming Asset Ratio ?	0.31% +9.3% YoY -1.7% QoQ	-0.37%	0.67% +11.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	13.96% -0.7% YoY -0.3% QoQ	-0.88%	14.84% -0.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.54% +4.8% YoY +105.7% QoQ	+0.01%	0.53% +2.5% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	83%

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	23.0% -1.1pp YoY +0.3pp QoQ	+1.7pp	21.4%	23.5%	22.2%	64%
Brokered Deposits	4.4% -0.3pp YoY 0.0pp QoQ	-5.0pp	9.5%	8.7%	8.5%	46%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	19.0% +2.6pp YoY +1.5pp QoQ	+5.0pp	14.0%	14.1%	12.5%	78%
CRE	23.3% -0.2pp YoY +0.5pp QoQ	-26.7pp	50.0%	31.5%	41.4%	6%
1-4 Family	21.0% -3.5pp YoY -0.8pp QoQ	-5.4pp	26.4%	14.9%	31.3%	44%
Consumer	1.8% -0.3pp YoY -0.1pp QoQ	-2.9pp	4.7%	8.5%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	14.0% -0.1pp YoY 0.0pp QoQ	-1.6pp	15.6%	17.6%	19.7%	57%
Leverage Ratio	10.3% 0.0pp YoY +0.1pp QoQ	-1.0pp	11.3%	11.9%	12.6%	46%
Total Capital Ratio	15.2% -0.1pp YoY 0.0pp QoQ	-1.5pp	16.7%	18.8%	20.8%	59%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	280 +11 (+4.1%) YoY +13 (+4.9%) QoQ	-34	313	6,279	482	62%
Assets per Employee ($)	$7.6M +3.1% YoY -4.0% QoQ	-$2.9M	$10.5M	$8.1M	$8.8M	32%
Branch Count	18 0 YoY 0 QoQ	-2	20	92	18	60%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY 0.0pp QoQ	0.0pp	0.2%	0.2%	0.4%	84%
Nonaccrual	0.3% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.8%	1.0%	1.0%	27%
Allowance Coverage	3.57x -8.1% YoY +1.7% QoQ	-15.14x	18.71x	96.54x	20.23x	69%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.7%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	12.5% +2.8pp YoY +0.7pp QoQ	-0.1pp	12.6%	12.4%	11.6%	52%
Cost of Funds (YTD)	1.9% -0.2pp YoY +0.1pp QoQ	0.0pp	1.9%	1.7%	1.7%	48%
Net Income ($, YTD)	$12.1M +42.4% YoY — QoQ	-$7.1M	$19.2M	$418.8M	$40.4M	49%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#88 of 492 • Bottom 17.7% in tier

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

Why this signature

Delinquency Rate: 0.41%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#169 of 402 • Bottom 41.8% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (1 metrics)

153

Non-Interest Income / Assets

revenue_mix

Value: 0.54%

Peer Median: 0.53%

#153 of 885 Top 17.2% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available