Advertisement
The First National Bank Of Frederick
Frederick, SD · FDIC Certificate #3985 · Chartered 05/1
Total assets
$28.84M
Total deposits
$25.49M
Total equity
$3.21M
Net loans
$4.13M
Branches (offices)
1
Net income (YTD)
$41.00K
Rank: #4,153 of 4,213 U.S. banks by assets · #55 of 56 in South Dakota. Assets changed 1.2% and deposits 0.6% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.29% |
| Return on equity | 2.51% |
| Net interest margin (YTD) | 2.40% |
| Equity to assets | 11.13% |
| Tier 1 leverage ratio | 12.71% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 16.2% |
| Real estate loans (share of loans) | 27.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.12M | 27.0% | |
| Commercial & industrial | $816.00K | 19.7% | |
| Consumer / individual | $62.00K | 1.5% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $2.30M | 55.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $30.50M | $28.08M | $11.00K | $2.34M |
| Jun 2023 | $29.72M | $27.22M | $149.00K | $2.35M |
| Jun 2024 | $34.04M | $25.91M | $50.00K | $2.59M |
| Jun 2025 | $28.49M | $25.34M | $53.00K | $2.98M |
| Jun 2026 | $28.84M | $25.49M | $41.00K | $3.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $25.49M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $25.49M.
Similar-sized banks
Bank Of Vici ($28.85M) · State Bank Of Easton ($28.37M)
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.
Advertisement