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First National Bank
Fort Pierre, SD · FDIC Certificate #14712 · Chartered 01/0
Total assets
$2.03B
Total deposits
$1.51B
Total equity
$476.45M
Net loans
$1.49B
Branches (offices)
18
Net income (YTD)
$25.63M
Rank: #598 of 4,213 U.S. banks by assets · #12 of 56 in South Dakota. Assets changed 18.8% and deposits 21.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.50% |
| Return on equity | 11.01% |
| Net interest margin (YTD) | 7.53% |
| Equity to assets | 23.44% |
| Tier 1 leverage ratio | 21.88% |
| Uninsured deposits (share of deposits) | 42.4% |
| Noncurrent loans (share of loans) | 0.69% |
| Net charge-offs (share of loans) | 3.49% |
| Loans to deposits | 98.9% |
| Real estate loans (share of loans) | 73.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.10B | 73.9% | |
| Commercial & industrial | $166.41M | 11.1% | |
| Consumer / individual | $189.83M | 12.7% | |
| Construction & development | $127.64M | 8.5% | |
| Agricultural | $98.26M | 6.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.66B | $1.28B | $23.81M | $341.50M |
| Jun 2023 | $1.68B | $1.25B | $14.56M | $369.05M |
| Jun 2024 | $1.66B | $1.22B | $13.17M | $393.32M |
| Jun 2025 | $1.71B | $1.24B | $19.49M | $429.83M |
| Jun 2026 | $2.03B | $1.51B | $25.63M | $476.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $808.36M | 12 |
| Colorado | $447.41M | 4 |
| Wyoming | $255.21M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.51B.
Similar-sized banks
Blackhawk Bank & Trust ($2.04B) · Beneficial State Bank ($2.03B)
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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