First Dakota National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 108.51 percentage points in Q2 2026, from 306.38% to 414.89%. It was the largest change from Q1 2026 among the key lines here. Within South Dakota, First Dakota National Bank is 18th of 56 on return on assets, 1.86% as of Q2 2026, above the middle of the field. First Dakota National Bank reported 1.86% on return on assets for Q2 2026, 0.59 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.40% |
| Equity capital to assets | 9.82% |
| Tangible equity to tangible assets | 9.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 3.66% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 414.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 19.13% |
| Net interest margin | 4.11% |
| Efficiency ratio | 51.65% |
| Yield on earning assets | 6.21% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.03% |
| Core deposits to total deposits | 91.52% |
| Brokered deposits to total deposits | 1.69% |
| Deposits to assets | 87.31% |
| Securities to assets | 9.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.34% | 10.34% | 11.43% | 9.25% | 1.00% |
| Q4 2023 | 10.56% | 10.56% | 11.66% | 9.13% | 1.03% |
| Q1 2024 | 11.00% | 11.00% | 12.13% | 9.42% | 0.94% |
| Q2 2024 | 10.94% | 10.94% | 12.04% | 9.74% | 1.11% |
| Q3 2024 | 11.23% | 11.23% | 12.37% | 9.90% | 1.02% |
| Q4 2024 | 11.02% | 11.02% | 12.16% | 9.95% | 1.36% |
| Q1 2025 | 11.16% | 11.16% | 12.34% | 10.12% | 1.16% |
| Q2 2025 | 11.07% | 11.07% | 12.27% | 10.18% | 1.34% |
| Q3 2025 | 11.11% | 11.11% | 12.23% | 10.27% | 1.43% |
| Q4 2025 | 10.87% | 10.87% | 11.92% | 10.05% | 1.53% |
| Q1 2026 | 11.04% | 11.04% | 12.10% | 10.18% | 1.48% |
| Q2 2026 | — | — | — | 10.40% | 1.86% |
First Dakota National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Dakota National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Dakota National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4028) · FFIEC NIC profile (RSSD 441256)