First Dakota National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Dakota National Bank of Yankton, SD against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.86% | 1.46% | +0.40% | 83rd top |
| ROAE | 19.13% | 12.71% | +6.42% | 87th top |
| Net Interest Margin | 4.11% | 3.85% | +0.26% | 75th top |
| Efficiency Ratio | 51.65% | 57.41% | -5.76% | 71st above |
| PPNR / Avg Assets | 2.44% | 1.88% | +0.56% | 86th top |
| Yield on Earning Assets | 6.21% | 5.72% | +0.49% | 82nd top |
| Cost of Funds | 2.23% | 2.02% | +0.21% | 35th below |
| Net Interest Spread | 3.66% | 3.18% | +0.48% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.27% | 1.00% | -0.73% | 75th top |
| NPA / Total Assets | 0.36% | 0.76% | -0.40% | 60th above |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 83rd top |
| ACL / Total Loans | 1.12% | 1.31% | -0.19% | 46th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 414.89% | 543.52% | -128.63% | 78th top |
| Texas Ratio | 3.66% | 7.39% | -3.73% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.40% | 11.44% | -1.04% | 48th below |
| Equity / Assets | 9.82% | 11.34% | -1.52% | 39th below |
| TCE / Tangible Assets | 9.66% | 10.50% | -0.84% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.03% | 86.94% | +10.09% | 24th bottom |
| Core Deposit Ratio | 91.52% | 85.55% | +5.97% | 65th above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.75% | 33.12% | -0.37% | 45th below |
| Wholesale Funding Ratio | 2.40% | 5.71% | -3.31% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.79% | 9.68% | +1.11% | 78th top |
| Loan Growth (Y/Y) | 11.83% | 8.05% | +3.78% | 78th top |
| Deposit Growth (Y/Y) | 8.15% | 7.87% | +0.28% | 68th above |
See First Dakota National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Dakota National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Dakota National Bank profile, how to read a UBPR, or how this data updates.