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The First National Bank In Sioux Falls
Sioux Falls, SD · FDIC Certificate #4016 · Chartered 09/0
Total assets
$2.12B
Total deposits
$1.77B
Total equity
$197.36M
Net loans
$1.56B
Branches (offices)
18
Net income (YTD)
$12.13M
Rank: #580 of 4,213 U.S. banks by assets · #11 of 56 in South Dakota. Assets changed 7.3% and deposits 10.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 12.49% |
| Net interest margin (YTD) | 3.56% |
| Equity to assets | 9.31% |
| Tier 1 leverage ratio | 10.34% |
| Uninsured deposits (share of deposits) | 35.3% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 88.6% |
| Real estate loans (share of loans) | 57.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $899.31M | 57.5% | |
| Commercial & industrial | $298.01M | 19.0% | |
| Consumer / individual | $28.09M | 1.8% | |
| Construction & development | $46.02M | 2.9% | |
| Agricultural | $361.56M | 23.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.97B | $1.55B | $8.97M | $156.18M |
| Jun 2023 | $1.75B | $1.50B | $5.97M | $155.77M |
| Jun 2024 | $1.90B | $1.54B | $6.43M | $166.62M |
| Jun 2025 | $1.98B | $1.60B | $8.52M | $179.88M |
| Jun 2026 | $2.12B | $1.77B | $12.13M | $197.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $1.77B | 18 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.77B.
Similar-sized banks
Opportunity Bank Of Montana ($2.12B) · Northeast Community Bank ($2.11B)
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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