The First National Bank of Frederick: 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: 1.92 percentage points higher than in Q1 2026, at 16.87%. On return on assets, The First National Bank of Frederick is 3rd from the bottom among 56 South Dakota banks, 0.39% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, The First National Bank of Frederick reported 0.39% on return on assets in Q2 2026, 0.59 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.71% |
| Equity capital to assets | 11.13% |
| Tangible equity to tangible assets | 11.13% |
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 | 3.84% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.39% |
| Return on equity | 3.43% |
| Net interest margin | 2.27% |
| Efficiency ratio | 80.12% |
| Yield on earning assets | 3.63% |
| Cost of funds | 1.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 16.87% |
| Core deposits to total deposits | 84.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.38% |
| Securities to assets | 49.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.64% | 0.38% | 2.42% | 0.00% | 0.00% |
| Q4 2023 | 11.03% | 0.92% | 2.80% | 0.00% | 0.00% |
| Q1 2024 | 10.86% | 0.27% | 2.23% | 0.00% | 0.00% |
| Q2 2024 | 10.90% | 0.37% | 1.99% | 0.00% | 0.00% |
| Q3 2024 | 10.00% | 0.65% | 2.13% | 0.00% | 0.00% |
| Q4 2024 | 10.67% | 0.70% | 2.47% | 0.00% | 0.00% |
| Q1 2025 | 12.90% | 0.32% | 2.36% | 0.00% | 0.00% |
| Q2 2025 | 12.57% | 0.44% | 2.48% | 0.00% | 0.00% |
| Q3 2025 | 13.45% | 0.40% | 2.24% | 0.00% | 0.00% |
| Q4 2025 | 14.20% | 0.24% | 2.46% | 0.00% | 0.00% |
| Q1 2026 | 13.51% | 0.19% | 2.38% | 0.00% | 0.00% |
| Q2 2026 | 12.71% | 0.39% | 2.27% | 0.00% | 0.00% |
The First National Bank of Frederick vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Frederick, 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 The First National Bank of Frederick profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3985) · FFIEC NIC profile (RSSD 288152)