FIRST DAKOTA NATIONAL BANK

YANKTON, SD | Large | Est. Dec. 7, 1872, midnight | FDIC #4028 | RSSD #441256 | OCC
Latest Report: 2025-12-31

FIRST DAKOTA NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in YANKTON, SD, established in Dec. 7, 1872, midnight. As of 2025-12-31, the bank reported total assets of $3.2B and total deposits of $2.8B. Profitability stands at 1.54% ROA and 16.06% ROE, with a net interest margin of 3.96%. The bank's CET1 capital ratio is 10.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 2.81%. FDIC Certificate #4028.

Assets

$3.2B

Deposits

$2.8B

Loans

$2.8B

Equity

$308M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 16.06%
Net Interest Margin (NIM) 3.96%
Yield on Assets 6.30%
Cost of Funds 2.68%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.81%
NPA Ratio 0.29%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 10.87%
Tier 1 Capital 10.87%
Total Capital Ratio 11.92%
Leverage Ratio 10.05%
Loan-to-Deposit 96.56%

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