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First Dakota National Bank
Yankton, SD · FDIC Certificate #4028 · Chartered 12/0
Total assets
$3.39B
Total deposits
$2.96B
Total equity
$333.04M
Net loans
$2.84B
Branches (offices)
17
Net income (YTD)
$27.78M
Rank: #380 of 4,213 U.S. banks by assets · #8 of 56 in South Dakota. Assets changed 10.8% and deposits 8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.68% |
| Return on equity | 17.36% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 9.82% |
| Tier 1 leverage ratio | 10.40% |
| Uninsured deposits (share of deposits) | 32.8% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 95.9% |
| Real estate loans (share of loans) | 80.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.29B | 80.6% | |
| Commercial & industrial | $359.13M | 12.6% | |
| Consumer / individual | $24.89M | 0.9% | |
| Construction & development | $165.48M | 5.8% | |
| Agricultural | $167.00M | 5.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.57B | $2.34B | $17.63M | $209.50M |
| Jun 2023 | $2.80B | $2.57B | $12.91M | $223.59M |
| Jun 2024 | $2.89B | $2.61B | $14.99M | $253.97M |
| Jun 2025 | $3.06B | $2.74B | $18.88M | $290.96M |
| Jun 2026 | $3.39B | $2.96B | $27.78M | $333.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $2.96B | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.96B.
Similar-sized banks
Northrim Bank ($3.40B) · Northern Bank & Trust Company ($3.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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