The First National Bank in Sioux Falls: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The First National Bank in Sioux Falls of Sioux Falls, SD against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 1.46% | -0.28% | 43rd below |
| ROAE | 13.28% | 12.69% | +0.59% | 58th above |
| Net Interest Margin | 3.41% | 3.85% | -0.44% | 31st below |
| Efficiency Ratio | 61.56% | 57.40% | +4.16% | 40th below |
| PPNR / Avg Assets | 1.67% | 1.88% | -0.21% | 46th below |
| Yield on Earning Assets | 5.26% | 5.72% | -0.46% | 33rd below |
| Cost of Funds | 2.01% | 2.02% | -0.01% | 51st above |
| Net Interest Spread | 2.64% | 3.18% | -0.54% | 27th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 1.00% | -0.75% | 77th top |
| NPA / Total Assets | 0.19% | 0.76% | -0.57% | 77th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 39th below |
| ACL / Total Loans | 1.46% | 1.31% | +0.15% | 84th top |
| ACL / NPLs (Coverage) | 581.96% | 564.34% | +17.62% | 84th top |
| Texas Ratio | 2.94% | 7.39% | -4.45% | 66th above |
| Provision / NCO | 106.38% | 619.04% | -512.66% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.96% | 17.34% | -3.38% | 58th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.96% | 17.37% | -3.41% | 57th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.21% | 18.42% | -3.21% | 60th above |
| Leverage Ratio | 10.34% | 11.44% | -1.10% | 46th below |
| Equity / Assets | 9.31% | 11.34% | -2.03% | 28th below |
| TCE / Tangible Assets | 9.31% | 10.50% | -1.19% | 39th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.90% | 86.95% | +2.95% | 46th below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.27% | 85.55% | +2.72% | 48th below |
| Uninsured Deposit Ratio | 35.33% | 33.12% | +2.21% | 38th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.23% | 5.70% | -0.47% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.29% | 9.68% | -2.39% | 64th above |
| Loan Growth (Y/Y) | 9.58% | 8.06% | +1.52% | 72nd above |
| Deposit Growth (Y/Y) | 10.34% | 7.87% | +2.47% | 76th top |
See The First National Bank in Sioux Falls's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The First National Bank in Sioux Falls, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The First National Bank in Sioux Falls profile, how to read a UBPR, or how this data updates.