BanksFIRST NATIONAL BANK IN SIOUX FALLS, THE

FIRST NATIONAL BANK IN SIOUX FALLS, THE

SIOUX FALLS, SDLargeEst. Sept. 8, 1885, midnightFDIC #4016RSSD #326858OCC
Latest · 2025-12-31

FIRST NATIONAL BANK IN SIOUX FALLS, THE is an FDIC-insured commercial bank headquartered in SIOUX FALLS, SD, established in Sept. 8, 1885, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.7B. Profitability stands at 1.27% ROA and 13.60% ROE, with a net interest margin of 3.57%. CET1 capital ratio: 14.09%, well above regulatory minimums. NPL ratio: 0.38% · Texas Ratio: 2.67%. Operates 18 domestic branches.

Assets
$2.1B
Deposits
$1.7B
Loans
$1.5B
Equity
$193M

Profitability

Return on Assets (ROA)1.27%
Return on Equity (ROE)13.60%
Net Interest Margin3.57%
Yield on Assets5.66%
Cost of Funds2.18%

Asset Quality

NPL Ratio0.38%
Net Charge-Off Ratio0.04%
Texas Ratio2.67%
NPA Ratio0.28%
ACL / Loans1.51%

Capital & Liquidity

CET1 Ratio14.09%
Tier 1 Capital14.09%
Total Capital Ratio15.34%
Leverage Ratio10.40%
Loan-to-Deposit90.02%

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