FIRST NATIONAL BANK
FIRST NATIONAL BANK is an FDIC-insured commercial bank headquartered in OLDHAM, SD, established in 1985. As of , 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 8.05%. CET1 capital ratio: 16.98%, well above regulatory minimums. NPL ratio: 2.71% · Texas Ratio: 10.97%. Operates 12 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
First National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 16.98% | 1.95% | 2.71% | 10.97% | 8.05% |
| 2025-09-30 | 16.79% | 2.01% | 3.10% | 12.47% | 8.07% |
| 2025-06-30 | 15.98% | 2.22% | 2.89% | 11.79% | 8.08% |
| 2025-03-31 | 15.38% | 2.18% | 1.65% | 7.07% | 8.20% |
| 2024-12-31 | 15.09% | 2.25% | 1.52% | 6.82% | 8.52% |
| 2024-09-30 | 14.73% | 1.59% | 1.51% | 6.67% | 8.47% |
| 2024-06-30 | 14.81% | 0.54% | 1.15% | 4.84% | 8.56% |
| 2024-03-31 | 14.64% | 0.42% | 1.18% | 4.98% | 8.75% |
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Frequently asked about FIRST NATIONAL BANK
What are First National Bank's total assets?
As of the Q4 2025 filing, First National Bank reported total assets of $462.5 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank headquartered?
First National Bank is headquartered in OLDHAM, SD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank founded?
First National Bank was established in 1985, per the FDIC institution directory.
Is First National Bank FDIC-insured?
Yes. First National Bank is an FDIC-insured commercial bank (FDIC Certificate #25894). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank?
First National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank's CET1 capital ratio?
First National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.98% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does First National Bank operate?
First National Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank's Texas Ratio?
First National Bank's Texas Ratio is 10.97% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.