BanksFIRST NATIONAL BANK IN PHILIP

FIRST NATIONAL BANK IN PHILIP

PHILIP, SDMediumEst. Dec. 4, 1906, midnightFDIC #3999RSSD #538754OCC
Latest · 2025-12-31

FIRST NATIONAL BANK IN PHILIP is an FDIC-insured commercial bank headquartered in PHILIP, SD, established in Dec. 4, 1906, midnight. As of 2025-12-31, the bank reported total assets of $504M and total deposits of $446M. Profitability stands at 1.95% ROA and 17.77% ROE, with a net interest margin of 3.80%. CET1 capital ratio: 15.76%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$504M
Deposits
$446M
Loans
$269M
Equity
$51M

Profitability

Return on Assets (ROA)1.95%
Return on Equity (ROE)17.77%
Net Interest Margin3.80%
Yield on Assets6.00%
Cost of Funds2.31%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.40%

Capital & Liquidity

CET1 Ratio15.76%
Tier 1 Capital15.76%
Total Capital Ratio16.85%
Leverage Ratio11.33%
Loan-to-Deposit60.33%

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