FIRST NATIONAL BANK

OLDHAM, SD | Small | Est. Feb. 15, 1985, midnight | FDIC #25894 | RSSD #944355 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in OLDHAM, SD, established in Feb. 15, 1985, midnight. As of 2025-12-31, the bank reported total assets of $462M and total deposits of $381M. Profitability stands at 1.95% ROA and 12.79% ROE, with a net interest margin of 8.71%. The bank's CET1 capital ratio is 16.98%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.18% and a Texas Ratio of 9.00%. FDIC Certificate #25894.

Assets

$462M

Deposits

$381M

Loans

$358M

Equity

$71M

Profitability

Return on Assets (ROA) 1.95%
Return on Equity (ROE) 12.79%
Net Interest Margin (NIM) 8.71%
Yield on Assets 10.30%
Cost of Funds 1.76%

Asset Quality

NPL Ratio 2.18%
Net Charge-Off Ratio 6.05%
Texas Ratio 9.00%
NPA Ratio 1.86%
ACL / Loans 6.87%

Capital & Liquidity

CET1 Ratio 16.98%
Tier 1 Capital 19.42%
Total Capital Ratio 20.73%
Leverage Ratio 16.16%
Loan-to-Deposit 94.14%

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