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First National Bank
Oldham, SD · FDIC Certificate #25894 · Chartered 02/1
Total assets
$477.82M
Total deposits
$380.14M
Total equity
$86.54M
Net loans
$344.31M
Branches (offices)
12
Net income (YTD)
$5.17M
Rank: #1,844 of 4,213 U.S. banks by assets · #23 of 56 in South Dakota. Assets changed 6.3% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.18% |
| Return on equity | 12.82% |
| Net interest margin (YTD) | 8.18% |
| Equity to assets | 18.11% |
| Tier 1 leverage ratio | 18.41% |
| Uninsured deposits (share of deposits) | 16.2% |
| Noncurrent loans (share of loans) | 2.01% |
| Net charge-offs (share of loans) | 4.62% |
| Loans to deposits | 90.6% |
| Real estate loans (share of loans) | 66.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $230.07M | 66.8% | |
| Commercial & industrial | $24.69M | 7.2% | |
| Consumer / individual | $62.29M | 18.1% | |
| Construction & development | $9.00M | 2.6% | |
| Agricultural | $46.01M | 13.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $408.41M | $348.14M | $3.89M | $50.43M |
| Jun 2023 | $412.69M | $343.91M | $2.40M | $51.23M |
| Jun 2024 | $445.74M | $373.56M | $1.07M | $55.09M |
| Jun 2025 | $449.45M | $374.79M | $5.00M | $65.14M |
| Jun 2026 | $477.82M | $380.14M | $5.17M | $86.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $311.23M | 8 |
| South Dakota | $34.06M | 2 |
| Illinois | $22.49M | 1 |
| Iowa | $12.36M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $380.14M.
Similar-sized banks
First State Bank ($478.05M) · Ameristate Bank ($477.72M)
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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