The First National Bank in Sioux Falls
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank in Sioux Falls is an FDIC-insured commercial bank headquartered in Sioux Falls, SD, established in 1885 (FDIC certificate 4016), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.12B, up 7.3% from Q2 2025, the 11th largest of 56 banks headquartered in South Dakota. Its CET1 capital ratio was 13.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4016
- Headquarters
- Sioux Falls, SD
- Established
- 1885
- Total assets, Q2 2026
- $2.12B
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 13.96%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 091400020
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank in Sioux Falls call report
- Holding company
- MINNEHAHA BANSHARES, INC.
- Asset rank in state
- 11th of 56 in South Dakota
The First National Bank in Sioux Falls, based in Sioux Falls, South Dakota, reported $2.1 billion in assets at June 30, 2026, up 7.3% from a year earlier. It holds commercial real estate loans worth 0.8 times its capital, about a third the median of 2.2 times for the 895 banks with $1 billion to $10 billion in assets.
Earnings jumped: net income for the quarter was $6.5 million, 39% above the same quarter a year earlier. Unrealized losses on its securities total $38 million, equal to 17% of Tier 1 capital, against 20% a year earlier.
As of June 30, 2026, The First National Bank in Sioux Falls reported a CET1 capital ratio of 13.96%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.41% and a Texas ratio of 2.94%. The figures come from its call report filed with the FFIEC.
The First National Bank in Sioux Falls ranks as the 11th largest of the 56 banks based in South Dakota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.7% to $2.12B, loans rose 2.1% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by agricultural production loans, at 22.8% of total loans, followed by 1-4 family residential loans at 20.7%. The FDIC Summary of Deposits lists 18 offices for it, in 6 cities in SD; its Sioux Falls 12 offices book 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, The First National Bank in Sioux Falls meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Phillips Ave, Sioux Falls, SD 57104
- County
- Minnehaha
- Metro Area
- Sioux Falls, SD-MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 8, 1885
- Former names
- The First National Bank in Sioux Falls (1953)
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 280
- Domestic deposits
- $1.77B
- Allowance for credit losses
- $23.1M
- Net charge-offs (YTD)
- $658K
- Average total assets
- $2.19B
- Average total loans
- $1.59B
- Average interest-bearing deposits
- $1.40B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4016
- Fed RSSD
- 326858
- Website
- www.fnbsf.com →
- Parent Holding Company
- MINNEHAHA BANSHARES, INC. (RSSD 1126354)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank in Sioux Falls's total assets ran between $1.82B (Q3 2023) and $2.12B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.12B total assets against $1.98B; $1.92B total liabilities against $1.80B.
$1.56B net loans and leases against $1.43B; $1.77B total deposits against $1.60B.
$377.9M securities against $371.7M; $70.9M cash and balances due against $82.1M.
$27.4M total interest income against $25.0M; $9.6M total interest expense against $10.1M.
$17.8M net interest income against $14.9M.
$5.9M total noninterest income against $5.6M; $14.6M total noninterest expense against $13.8M.
$400K provision for credit losses against $300K.
$6.5M net income against $4.7M.
1.18% return on assets against 0.91%; 3.41% net interest margin against 3.05%.
13.96% CET1 capital ratio against 14.05%; 10.34% tier 1 leverage ratio against 10.35%.
Inside the full The First National Bank in Sioux Falls terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank in Sioux Falls rankings
Its closest position to the top of a national ranking is 572 of 4,196, for total assets; its furthest is 2,069 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.64% (Q3 2024) to 1.22% (Q4 2025) and its net interest margin ran from 2.69% (Q3 2024) to 3.41% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.96% | 1.18% | 0.41% | 2.94% | 3.41% |
| Q1 2026 | 13.99% | 1.05% | 0.42% | 3.05% | 3.35% |
| Q4 2025 | 14.09% | 1.22% | 0.44% | 3.14% | 3.32% |
| Q3 2025 | 14.17% | 1.10% | 0.71% | 5.02% | 3.28% |
| Q2 2025 | 14.05% | 0.91% | 0.38% | 2.74% | 3.05% |
| Q1 2025 | 13.71% | 0.77% | 0.23% | 1.71% | 3.03% |
| Q4 2024 | 13.30% | 0.69% | 0.27% | 2.03% | 2.89% |
| Q3 2024 | 13.54% | 0.64% | 0.11% | 0.72% | 2.69% |
Swipe the table sideways to see every column.
Branch Network
View all 18 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank in Sioux Falls | Sioux Falls , SD | 57104 | $962.0M |
| Sioux Falls - Benson Road Office Branch | Sioux Falls , SD | 57104 | $141.1M |
| Dell Rapids Branch | Dell Rapids , SD | 57022 | $105.9M |
| Farmers State Bank Branch | Flandreau , SD | 57028 | $94.3M |
| Brandon Branch | Brandon , SD | 57005 | $92.2M |
| Harrisburg Branch | Harrisburg , SD | 57032 | $87.0M |
| 57th Street Branch | Sioux Falls , SD | 57108 | $81.7M |
| South Louise Branch | Sioux Falls , SD | 57108 | $76.3M |
| Western Mall Branch | Sioux Falls , SD | 57105 | $68.3M |
| Baltic Branch | Baltic , SD | 57003 | $26.5M |
| Arrowhead Office Branch | Sioux Falls , SD | 57110 | $23.2M |
| Dow Rummel Branch | Sioux Falls , SD | 57104 | $2.3M |
| Westport Branch | Sioux Falls , SD | 57106 | $1.5M |
| Waterford Branch | Sioux Falls , SD | 57104 | $1.4M |
| Prince of Peace | Sioux Falls , SD | 57103 | $1.2M |
| Trail Ridge Branch | Sioux Falls , SD | 57108 | $850K |
| Bethany Meadows Branch | Brandon , SD | 57005 | $509K |
| The First National Bank in Sioux Falls - Grand Living | Sioux Falls , SD | 57106 | $325K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2007 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 1979 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 1979 | Structure Change | Acquired Dakota State Bank of Dell Rapids, South Dakota Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in SD, rank 11 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 207 applications, 180 loans originated, $61.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 20 loans, $7.6M approved, $382K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank in Sioux Falls
What are The First National Bank in Sioux Falls's total assets?
As of the Q2 2026 filing, The First National Bank in Sioux Falls reported total assets of $2.12 billion in its FFIEC call report.
Where is The First National Bank in Sioux Falls headquartered?
It is headquartered in Sioux Falls, SD, United States.
When was The First National Bank in Sioux Falls founded?
It was established in 1885, per the FDIC institution directory.
Is The First National Bank in Sioux Falls FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4016). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank in Sioux Falls?
The First National Bank in Sioux Falls's primary federal regulator is the OCC.
What is The First National Bank in Sioux Falls's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank in Sioux Falls operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank in Sioux Falls's Texas Ratio?
Its Texas Ratio is 2.94% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The First National Bank in Sioux Falls previously called?
The charter now named The First National Bank in Sioux Falls has also operated as The First National Bank in Sioux Falls (1953), per FDIC structure-change records.
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