FIRST NATIONAL BANK OF FREDERICK, THE

FREDERICK, SD | Micro | Est. May 18, 1882, midnight | FDIC #3985 | RSSD #288152 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK OF FREDERICK, THE is amn micro FDIC-insured commercial bank headquartered in FREDERICK, SD, established in May 18, 1882, midnight. As of 2025-12-31, the bank reported total assets of $26M and total deposits of $23M. Profitability stands at 0.23% ROA and 1.86% ROE, with a net interest margin of 2.45%. The bank's CET1 capital ratio is 12.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3985.

Assets

$26M

Deposits

$23M

Loans

$8M

Equity

$3M

Profitability

Return on Assets (ROA) 0.23%
Return on Equity (ROE) 1.86%
Net Interest Margin (NIM) 2.45%
Yield on Assets 3.99%
Cost of Funds 2.07%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.08%

Capital & Liquidity

CET1 Ratio 12.51%
Tier 1 Capital 12.51%
Total Capital Ratio 13.14%
Leverage Ratio 14.20%
Loan-to-Deposit 35.16%

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