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

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 +8.1% year over year ($3.0B on the books).
Delinquency rate 0.31%.
Return on assets 1.68%.
Efficiency ratio 54.51% vs a 59.73% peer average.
Loan-to-deposit ratio 95.95% 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) →

First Dakota National Bank shows strong momentum with 5 strengths and 10.8% 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

+ Profitability Leader: Top 46.9% in tier
+ Revenue Diversifier: Top 49.5% in tier
+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 5.21% below tier average
+ Delinquency Rate 0.56% 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-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$3.4B +10.8% YoY +2.8% QoQ	+$596.9M	$2.8B -0.6% YoY	$70.4B +8.4% YoY	$6.3B +7.7% YoY	75%
Total Loans ?	$2.8B +12.0% YoY +2.2% QoQ	+$876.8M	$2.0B -0.3% YoY	$31.5B +10.3% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$3.0B +8.1% YoY +0.1% QoQ	+$641.2M	$2.3B -0.5% YoY	$56.5B +10.5% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	1.68% +33.0% YoY +12.6% QoQ	+0.29%	1.39% +17.0% YoY	1.40% +6.8% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	4.03% +8.4% YoY +4.2% QoQ	+0.16%	3.87% +6.2% YoY	4.26% +1.1% YoY	3.95% +4.9% YoY	70%
Efficiency Ratio ?	54.51% -4.2% YoY -5.2% QoQ	-5.21%	59.73% -12.6% YoY	60.99% -4.4% YoY	70.05% +2.5% YoY	64%
Delinquency Rate ?	0.31% -23.4% YoY -21.2% QoQ	-0.56%	0.87% +11.7% YoY	0.78% +47.6% YoY	0.98% +16.3% YoY	68%
Loan-to-Deposit Ratio ?	95.95% +3.6% YoY +2.1% QoQ	+10.91%	85.04% -0.1% YoY	73.26% -0.6% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	12.79% -0.3% YoY +1.8% QoQ	-8.49%	21.27% -1.5% YoY	23.46% +3.2% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	0.40% -3.4% YoY +16.8% QoQ	-0.28%	0.67% +11.7% YoY	0.54% +39.8% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	10.40% -6.0% YoY -5.8% QoQ	-4.44%	14.84% -0.4% YoY	15.80% +1.0% YoY	17.09% +0.8% YoY	Bottom 9.8% in tier
Non-Interest Income / Assets ?	0.58% +6.3% YoY +89.5% QoQ	+0.05%	0.53% +2.5% YoY	0.54% -0.1% YoY	0.66% +5.2% YoY	85%

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	12.8% 0.0pp YoY +0.2pp QoQ	-8.6pp	21.4%	23.5%	22.2%	18%
Brokered Deposits	1.7% -2.7pp YoY +0.3pp QoQ	-7.8pp	9.5%	8.7%	8.5%	25%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
C&I	12.6% +0.4pp YoY +0.7pp QoQ	-1.4pp	14.0%	14.1%	12.5%	58%
CRE	48.1% +0.2pp YoY -0.2pp QoQ	-1.9pp	50.0%	31.5%	41.4%	44%
1-4 Family	14.2% +0.4pp YoY 0.0pp QoQ	-12.3pp	26.4%	14.9%	31.3%	28%
Consumer	0.9% -0.2pp YoY 0.0pp QoQ	-3.8pp	4.7%	8.5%	5.0%	42%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.6%	19.7%	n/a
Leverage Ratio	10.4% +0.2pp YoY +0.2pp QoQ	-0.9pp	11.3%	11.9%	12.6%	47%
Total Capital Ratio	n/a	n/a	16.7%	18.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Full-Time Employees	367 +11 (+3.1%) YoY +3 (+0.8%) QoQ	+53	313	6,279	482	75%
Assets per Employee ($)	$9.2M +7.5% YoY +2.0% QoQ	-$1.2M	$10.5M	$8.1M	$8.8M	57%
Branch Count	17 0 YoY 0 QoQ	-3	20	92	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	53%
Nonaccrual	0.3% -0.2pp YoY -0.1pp QoQ	-0.5pp	0.8%	1.0%	1.0%	30%
Allowance Coverage	3.68x +13.7% YoY +27.2% QoQ	-15.03x	18.71x	96.54x	20.23x	70%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.7%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
ROE	17.4% +3.9pp YoY +1.8pp QoQ	+4.8pp	12.6%	12.4%	11.6%	84%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.7%	1.7%	68%
Net Income ($, YTD)	$27.8M +47.2% YoY — QoQ	+$8.5M	$19.2M	$418.8M	$40.4M	80%

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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 (2)

Profitability Leader

growth

#105 of 222 • Top 46.9% in tier

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

Why this signature

Return on Assets: 1.68%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Revenue Diversifier

growth

#111 of 222 • Top 49.5% 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: 0.58%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.68%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

134

Non-Interest Income / Assets

revenue_mix

Value: 0.58%

Peer Median: 0.53%

#134 of 885 Top 15.0% in $1B-$10B

173

Total Loans

size

Value: $2.84B

Peer Median: $1.96B

#173 of 885 Top 19.4% in $1B-$10B

197

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.39%

#197 of 885 Top 22.1% in $1B-$10B

204

Total Deposits

size

Value: $2.96B

Peer Median: $2.32B

#204 of 885 Top 22.9% in $1B-$10B

218

Total Assets

size

Value: $3.39B

Peer Median: $2.79B

#218 of 885 Top 24.5% in $1B-$10B

Top Weaknesses (3 metrics)

799

Tier 1 Capital Ratio

capital

Value: 10.40%

Peer Median: 14.84%

#799 of 885 Bottom 9.8% in $1B-$10B

727

Non-Interest-Bearing Deposit Share

funding

Value: 12.79%

Peer Median: 21.27%

#727 of 885 Bottom 18.0% in $1B-$10B

684

Loan-to-Deposit Ratio

liquidity

Value: 95.95%

Peer Median: 85.04%

#684 of 885 Bottom 22.8% in $1B-$10B