First National Bank in Philip: 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 Loan-to-deposit ratio: 3.31 percentage points higher than in Q1 2026, at 70.18%. Within South Dakota, First National Bank in Philip is 14th of 56 on return on assets, 2.05% as of Q2 2026, above the middle of the field. First National Bank in Philip's return on assets of 2.05% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.79 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.39% |
| Tier 1 risk-based capital ratio | 15.39% |
| Total risk-based capital ratio | 16.46% |
| Tier 1 leverage ratio | 12.05% |
| Equity capital to assets | 11.25% |
| Tangible equity to tangible assets | 11.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.05% |
| Return on equity | 18.41% |
| Net interest margin | 3.55% |
| Efficiency ratio | 38.02% |
| Yield on earning assets | 5.56% |
| Cost of funds | 2.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.18% |
| Core deposits to total deposits | 88.65% |
| Brokered deposits to total deposits | 7.25% |
| Deposits to assets | 87.40% |
| Securities to assets | 27.53% |
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 | 15.48% | 15.48% | 16.73% | 12.62% | 1.96% |
| Q4 2023 | 16.02% | 16.02% | 17.27% | 12.11% | 1.14% |
| Q1 2024 | 16.69% | 16.69% | 17.94% | 12.77% | 1.80% |
| Q2 2024 | 15.56% | 15.56% | 16.75% | 13.03% | 1.91% |
| Q3 2024 | 15.56% | 15.56% | 16.76% | 13.01% | 1.49% |
| Q4 2024 | 16.84% | 16.84% | 18.09% | 12.11% | 1.92% |
| Q1 2025 | 16.71% | 16.71% | 17.94% | 11.99% | 1.68% |
| Q2 2025 | 15.45% | 15.45% | 16.59% | 12.23% | 1.90% |
| Q3 2025 | 15.29% | 15.29% | 16.40% | 12.77% | 1.92% |
| Q4 2025 | 15.76% | 15.76% | 16.85% | 11.33% | 1.85% |
| Q1 2026 | 15.70% | 15.70% | 16.77% | 11.67% | 2.33% |
| Q2 2026 | 15.39% | 15.39% | 16.46% | 12.05% | 2.05% |
First National Bank in Philip vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Philip, 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 in Philip profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3999) · FFIEC NIC profile (RSSD 538754)