Total Assets
$462M
Total balance-sheet footings
FDIC Cert #25894 · Oldham, South Dakota · Est. 1985
First National Bank - FDIC Bank Health Profile
A community-scale look at First National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $462M
- Total assets
- A
- Health grade · Excellent
- 2.08%
- Return on assets
- 17.0%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank earns a PlainBankData health grade of A (96/100), with well-capitalized at 16.98% Tier 1, profitable at 2.08% ROA, efficient (42% cost ratio).
- #1,904
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 16.98%
- Tier 1 ratio - above the 10% well-capitalized line
- 92nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How First National Bank's 96/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank's composite health score
Tier 1 Capital Ratio (16.98%) 40/40
Return on Assets (ROA) (2.08%) 25/25
Texas Ratio (8.21%) 16/20
Efficiency Ratio (42.35%) 15/15
96 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$381M
Customer-funded liabilities
Net Loans
$334M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank's score of 96/100 falls in the highlighted band.
First National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First National Bank's $462M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.98%
Texas Ratio
8.21%
Equity Capital
$71M
Profitability metrics
Return on Assets (ROA)
92nd percentile nationally
2.08%
Return on Equity (ROE)
14.53%
Efficiency Ratio
42.35%
What the numbers say about First National Bank
First National Bank is an FDIC-insured institution (Certificate #25894) headquartered in Oldham, South Dakota, established in 1985. It holds $462M in total assets - 1,904th of 4,313 FDIC-insured banks, $381M in customer deposits, and $334M in net loans. Its capital position: a Tier 1 ratio of 16.98%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 8.21% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (96 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First National Bank sits 24th of 56 banks headquartered in South Dakota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$44M
Interest Income
$14M
Non-Interest Income
$22M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank reports a Texas Ratio of 8.21% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.21% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank (FDIC Cert #25894) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is First National Bank's health grade?▼
First National Bank receives a health grade of A (96/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank?▼
First National Bank holds $462M in total assets and $381M in deposits, ranking 1,904th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oldham, South Dakota.
Is my money safe at First National Bank?▼
Yes, deposits at First National Bank (Certificate #25894) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank's Tier 1 Capital Ratio?▼
First National Bank has a Tier 1 Capital Ratio of 16.98%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First National Bank?▼
First National Bank has a Texas Ratio of 8.21%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First National Bank?▼
First National Bank has an Efficiency Ratio of 42.35%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank's profile as a depositor or analyst.
- First National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank against other South Dakota banks before moving funds. South Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.