BanksFIRST NATIONAL BANK

FIRST NATIONAL BANK

FORT PIERRE, SDLargeEst. Jan. 1, 1934, midnightFDIC #14712RSSD #355858OCC
Latest · 2025-12-31

FIRST NATIONAL BANK is an 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%. CET1 capital ratio: 23.15%, well above regulatory minimums. NPL ratio: 0.88% · Texas Ratio: 2.64%. Operates 16 domestic branches.

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 Margin7.68%
Yield on Assets9.19%
Cost of Funds1.81%

Asset Quality

NPL Ratio0.88%
Net Charge-Off Ratio3.69%
Texas Ratio2.64%
NPA Ratio0.68%
ACL / Loans5.30%

Capital & Liquidity

CET1 Ratio23.15%
Tier 1 Capital25.50%
Total Capital Ratio26.80%
Leverage Ratio20.27%
Loan-to-Deposit97.01%

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