BlastPoint's Banking Scorecard

First Dakota National Bank

$1B-$10B Specialty: Commercial SD FDIC cert 4028

Designations: ✓ Community bank

Yankton, SD

17 branches across SD

884 banks in the $1B-$10B peer group nationally 15 in SD

First Dakota National Bank shows strong momentum with 5 strengths and 9.9% YoY asset growth

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 49.8% in tier
+ ROA 0.12% above tier average
+ Net Interest Margin 0.05% above tier average
+ Efficiency Ratio 3.57% below tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Dakota National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$3.3B +9.9% YoY +1.6% QoQ	+$480.6M	$2.8B -0.1% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$2.8B +14.2% YoY +2.2% QoQ	+$815.0M	$2.0B +0.6% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$3.0B +9.5% YoY +3.8% QoQ	+$614.3M	$2.3B -0.3% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	1.49% +27.3% YoY +8.1% QoQ	+0.12%	1.37% +19.6% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	3.87% +6.4% YoY +2.0% QoQ	+0.05%	3.82% +6.9% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	57.49% +0.1% YoY -1.0% QoQ	-3.57%	61.06% -4.6% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	0.39% -20.7% YoY +6.5% QoQ	-0.50%	0.89% +14.1% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	93.99% +4.3% YoY -1.6% QoQ	+9.78%	84.20% +0.3% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	27%
Non-Interest-Bearing Deposit Share ?	12.56% -3.1% YoY -0.5% QoQ	-8.73%	21.29% -2.5% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.34% -31.1% YoY +6.8% QoQ	-0.33%	0.67% +15.6% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	11.04% -1.1% YoY +1.6% QoQ	-4.12%	15.16% +2.0% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.30% +3.9% YoY -71.6% QoQ	+0.05%	0.26% +1.6% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	Top 12.9% 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

#111 of 221 • Top 49.8% 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: 0.30%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.49%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

115

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.26%

#115 of 884 Top 12.9% in $1B-$10B

177

Total Loans

size

Value: $2.78B

Peer Median: $1.96B

#177 of 884 Top 19.9% in $1B-$10B

205

Total Deposits

size

Value: $2.96B

Peer Median: $2.34B

#205 of 884 Top 23.1% in $1B-$10B

Top Weaknesses (2 metrics)

730

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 15.16%

#730 of 884 Bottom 17.5% in $1B-$10B

724

Non-Interest-Bearing Deposit Share

funding

Value: 12.56%

Peer Median: 21.29%

#724 of 884 Bottom 18.2% in $1B-$10B