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First National Bank In Philip
Philip, SD · FDIC Certificate #3999 · Chartered 12/0
Total assets
$458.39M
Total deposits
$400.61M
Total equity
$51.58M
Net loans
$277.30M
Branches (offices)
2
Net income (YTD)
$5.12M
Rank: #1,884 of 4,213 U.S. banks by assets · #24 of 56 in South Dakota. Assets changed 13.2% and deposits 13.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.15% |
| Return on equity | 19.97% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 11.25% |
| Tier 1 leverage ratio | 12.05% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 69.2% |
| Real estate loans (share of loans) | 40.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $112.80M | 40.7% | |
| Commercial & industrial | $17.82M | 6.4% | |
| Consumer / individual | $2.36M | 0.9% | |
| Construction & development | $20.28M | 7.3% | |
| Agricultural | $143.10M | 51.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $353.54M | $314.46M | $2.68M | $35.75M |
| Jun 2023 | $359.33M | $318.32M | $3.36M | $37.23M |
| Jun 2024 | $359.82M | $314.86M | $3.46M | $40.63M |
| Jun 2025 | $404.99M | $352.92M | $3.76M | $46.70M |
| Jun 2026 | $458.39M | $400.61M | $5.12M | $51.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $400.61M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $400.61M.
Similar-sized banks
The Bippus State Bank ($458.88M) · Meade County Bank ($458.36M)
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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