First 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 57.70 percentage points higher than in Q1 2026, at 578.24%. Within South Dakota, First National Bank is 6th of 56 on return on assets, 2.48% as of Q2 2026, above the middle of the field. First National Bank's return on assets of 2.48% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 1.20 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.91% |
| Tier 1 risk-based capital ratio | 26.19% |
| Total risk-based capital ratio | 27.48% |
| Tier 1 leverage ratio | 21.88% |
| Equity capital to assets | 23.44% |
| Tangible equity to tangible assets | 21.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.84% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 3.26% |
| Texas ratio | 2.78% |
| Allowance for credit losses to loans | 4.85% |
| Reserve coverage of non-performing loans | 578.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.48% |
| Return on equity | 10.78% |
| Net interest margin | 7.32% |
| Efficiency ratio | 44.71% |
| Yield on earning assets | 8.63% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.98% |
| Core deposits to total deposits | 93.26% |
| Brokered deposits to total deposits | 0.13% |
| Deposits to assets | 74.35% |
| Securities to assets | 13.02% |
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 | 22.46% | 25.11% | 26.42% | 21.84% | 1.85% |
| Q4 2023 | 23.06% | 25.72% | 27.03% | 21.96% | 1.61% |
| Q1 2024 | 24.02% | 26.72% | 28.03% | 23.09% | 2.17% |
| Q2 2024 | 24.50% | 27.24% | 28.55% | 23.17% | 1.00% |
| Q3 2024 | 24.94% | 27.66% | 28.97% | 23.54% | 2.25% |
| Q4 2024 | 25.52% | 28.23% | 29.54% | 23.68% | 2.24% |
| Q1 2025 | 25.99% | 28.69% | 29.99% | 24.23% | 2.33% |
| Q2 2025 | 26.03% | 28.67% | 29.97% | 24.45% | 2.22% |
| Q3 2025 | 22.86% | 25.23% | 26.52% | 20.14% | 2.01% |
| Q4 2025 | 23.15% | 25.50% | 26.80% | 20.27% | 2.19% |
| Q1 2026 | 23.95% | 26.31% | 27.60% | 21.18% | 2.51% |
| Q2 2026 | 23.91% | 26.19% | 27.48% | 21.88% | 2.48% |
First National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14712) · FFIEC NIC profile (RSSD 355858)