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The First National Bank in Sioux Falls

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

Designations: ✓ Community bank

Sioux Falls, SD

18 branches across SD

884 banks in the $1B-$10B peer group nationally 15 in SD
View $1B-$10B leaderboard (SD) →

The First National Bank in Sioux Falls has 1 strength 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

  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 45.0% in tier
  • - ROA 0.28% below tier average
  • - Net Interest Margin 0.29% below tier average
  • - Efficiency Ratio 3.36% above tier average
Get updates when The First National Bank in Sioux Falls releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Total Assets ? $2.1B
+7.1% YoY +0.8% QoQ
-$710.6M $2.8B
-0.1% YoY
$68.7B
+9.0% YoY
$6.2B
+9.1% YoY
53%
Total Loans ? $1.5B
+7.9% YoY +1.5% QoQ
-$432.2M $2.0B
+0.6% YoY
$30.8B
+10.3% YoY
$3.2B
+10.8% YoY
55%
Total Deposits ? $1.8B
+10.4% YoY +3.3% QoQ
-$584.4M $2.3B
-0.3% YoY
$54.8B
+8.5% YoY
$4.8B
+8.2% YoY
52%
Return on Assets ? 1.08%
+37.3% YoY +5.3% QoQ
-0.28% 1.37%
+19.6% YoY
1.41%
+1.8% YoY
1.23%
+13.4% YoY
39%
Net Interest Margin ? 3.52%
+12.3% YoY +6.4% QoQ
-0.29% 3.82%
+6.9% YoY
4.19%
+0.4% YoY
3.89%
+5.7% YoY
42%
Efficiency Ratio ? 64.42%
-8.5% YoY -0.3% QoQ
+3.36% 61.06%
-4.6% YoY
64.00%
-0.6% YoY
66.95%
-4.1% YoY
36%
Delinquency Rate ? 0.43%
+79.5% YoY -5.0% QoQ
-0.46% 0.89%
+14.1% YoY
0.59%
+45.1% YoY
0.95%
+18.8% YoY
59%
Loan-to-Deposit Ratio ? 87.13%
-2.3% YoY -1.7% QoQ
+2.93% 84.20%
+0.3% YoY
71.70%
+0.3% YoY
76.70%
+0.9% YoY
47%
Non-Interest-Bearing Deposit Share ? 22.73%
-11.5% YoY -7.3% QoQ
+1.44% 21.29%
-2.5% YoY
23.74%
-0.7% YoY
22.01%
-1.2% YoY
64%
Nonperforming Asset Ratio ? 0.31%
+80.8% YoY -4.3% QoQ
-0.36% 0.67%
+15.6% YoY
0.41%
+39.3% YoY
0.67%
+19.3% YoY
62%
Tier 1 Capital Ratio ? 13.99%
+2.1% YoY -0.7% QoQ
-1.17% 15.16%
+2.0% YoY
15.79%
+0.8% YoY
17.06%
+0.8% YoY
63%
Non-Interest Income / Assets ? 0.26%
+13.3% YoY -74.8% QoQ
+0.01% 0.26%
+1.6% YoY
0.27%
+0.0% YoY
0.32%
+4.1% YoY
82%

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 (1)

Credit Risk Growth

risk
#190 of 420 • Bottom 45.0% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 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 884 peers in $1B-$10B

Top Strengths (1 metrics)

160
Non-Interest Income / Assets
revenue_mix
Value: 0.26%
Peer Median: 0.26%
#160 of 884 Top 18.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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