BanksFIRST DAKOTA NATIONAL BANK

FIRST DAKOTA NATIONAL BANK

YANKTON, SDLargeEst. Dec. 7, 1872, midnightFDIC #4028RSSD #441256OCC
Latest · 2025-12-31

FIRST DAKOTA NATIONAL BANK is an 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%. CET1 capital ratio: 10.87%, well above regulatory minimums. NPL ratio: 0.35% · Texas Ratio: 2.81%. Operates 17 domestic branches.

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 Margin3.96%
Yield on Assets6.30%
Cost of Funds2.39%

Asset Quality

NPL Ratio0.35%
Net Charge-Off Ratio0.03%
Texas Ratio2.81%
NPA Ratio0.29%
ACL / Loans1.12%

Capital & Liquidity

CET1 Ratio10.87%
Tier 1 Capital10.87%
Total Capital Ratio11.92%
Leverage Ratio10.05%
Loan-to-Deposit96.56%

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