FIRST NATIONAL BANK

FORT PIERRE, SD | Large | Est. Jan. 1, 1934, midnight | FDIC #14712 | RSSD #355858 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in FORT PIERRE, SD, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.6B. Profitability stands at 2.23% ROA and 10.20% ROE, with a net interest margin of 7.68%. The bank's CET1 capital ratio is 23.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.88% and a Texas Ratio of 2.64%. FDIC Certificate #14712.

Assets

$2.1B

Deposits

$1.6B

Loans

$1.5B

Equity

$454M

Profitability

Return on Assets (ROA) 2.23%
Return on Equity (ROE) 10.20%
Net Interest Margin (NIM) 7.68%
Yield on Assets 9.19%
Cost of Funds 2.43%

Asset Quality

NPL Ratio 0.88%
Net Charge-Off Ratio 3.69%
Texas Ratio 2.64%
NPA Ratio 0.68%
ACL / Loans 5.30%

Capital & Liquidity

CET1 Ratio 23.15%
Tier 1 Capital 25.50%
Total Capital Ratio 26.80%
Leverage Ratio 20.27%
Loan-to-Deposit 97.01%

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