BanksFIRST NATIONAL BANK OF FREDERICK, THE

FIRST NATIONAL BANK OF FREDERICK, THE

FREDERICK, SDMicroEst. May 18, 1882, midnightFDIC #3985RSSD #288152OCC
Latest · 2025-12-31

FIRST NATIONAL BANK OF FREDERICK, THE is an 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%. CET1 capital ratio: 12.51%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$26M
Deposits
$23M
Loans
$8M
Equity
$3M

Profitability

Return on Assets (ROA)0.23%
Return on Equity (ROE)1.86%
Net Interest Margin2.45%
Yield on Assets3.99%
Cost of Funds1.63%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans2.08%

Capital & Liquidity

CET1 Ratio12.51%
Tier 1 Capital12.51%
Total Capital Ratio13.14%
Leverage Ratio14.20%
Loan-to-Deposit35.16%

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