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: 80.88 percentage points lower than in Q1 2026, at 168.50%. First National Bank ranks 15th of 56 South Dakota banks on return on assets, in the upper half at 2.03% (Q2 2026). Against a median of 1.26% for banks in the $100M-1B asset tier, First National Bank reported 2.03% on return on assets in Q2 2026, 0.77 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.47% |
| Tier 1 risk-based capital ratio | 22.81% |
| Total risk-based capital ratio | 24.12% |
| Tier 1 leverage ratio | 18.41% |
| Equity capital to assets | 18.11% |
| Tangible equity to tangible assets | 17.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.72% |
| Non-performing assets ratio | 3.02% |
| Net charge-off ratio | 4.33% |
| Texas ratio | 7.50% |
| Allowance for credit losses to loans | 6.27% |
| Reserve coverage of non-performing loans | 168.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.03% |
| Return on equity | 11.65% |
| Net interest margin | 7.62% |
| Efficiency ratio | 46.59% |
| Yield on earning assets | 8.95% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.64% |
| Core deposits to total deposits | 92.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.56% |
| Securities to assets | 19.68% |
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 | 14.03% | 16.62% | 17.96% | 14.12% | 1.18% |
| Q4 2023 | 14.08% | 16.64% | 17.98% | 13.83% | 0.66% |
| Q1 2024 | 14.64% | 17.28% | 18.62% | 13.14% | 0.40% |
| Q2 2024 | 14.81% | 17.44% | 18.78% | 13.44% | 0.53% |
| Q3 2024 | 14.73% | 17.27% | 18.61% | 13.80% | 1.54% |
| Q4 2024 | 15.09% | 17.59% | 18.92% | 14.20% | 2.19% |
| Q1 2025 | 15.38% | 17.83% | 19.15% | 14.49% | 2.12% |
| Q2 2025 | 15.98% | 18.42% | 19.74% | 15.07% | 2.17% |
| Q3 2025 | 16.79% | 19.27% | 20.59% | 15.79% | 1.98% |
| Q4 2025 | 16.98% | 19.42% | 20.73% | 16.16% | 1.94% |
| Q1 2026 | 20.31% | 22.70% | 24.01% | 18.30% | 2.22% |
| Q2 2026 | 20.47% | 22.81% | 24.12% | 18.41% | 2.03% |
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 25894) · FFIEC NIC profile (RSSD 944355)