What is First National Bank's financial health grade?

First National Bank has a TFS Financial Health Grade of C (score: 74.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First National Bank have?

First National Bank has 12 branch locations across the United States.

Is First National Bank FDIC insured?

Yes, First National Bank is FDIC insured (Certificate #25894).

What are the total assets of First National Bank?

First National Bank has total assets of $462.5M as reported in its most recent FDIC filing.

First National Bank

BankOldham, South Dakota

www.firstnationalbanks.com

Total Assets

$462.5M

Total Deposits

$380.7M

Branches

Established

1985

TFS Health Grade

74.4 / 100

Average financial health

How we grade

First National Bank is a bank headquartered in Oldham, South Dakota, established in 1985. With $462.5M in total assets and 12 branch locations, it has a TFS Financial Health Grade of C (74.4/100).

Capital & Safety

Tier 1 Capital Ratio

16.16%(8%)

Total Capital Ratio

20.73%(10%)

Non-Performing Loan Ratio

2.18%

Profitability

Return on Assets (ROA)

2.08%(1%)

Return on Equity (ROE)

14.53%(10%)

Net Interest Margin

8.71%

Efficiency Ratio

42.35%(60%)

Lending & Liquidity

Total Loans

$358.4M

Loan-to-Deposit Ratio

87.67%

Net Charge-Off Ratio

6.07%

Growth

Asset Growth (YoY)

+2.36%

Deposit Growth (YoY)

-0.22%

Net Income

$9.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First National BankHQ	141 E Main St	Oldham	SD	11
First National Bank	4500 E 53rd St	Davenport	IA	11
First National Bank	3465 Avenue Of The Cities	Moline	IL	11
First National Bank	109 N St Paul Ave	Fulda	MN	11
First National Bank	400 7th St	Fulda	MN	29
First National Bank	1400 N Frontage Rd	Hastings	MN	11
First National Bank	406 Main St	Lakefield	MN	11
First National Bank	109 W Main St	Le Roy	MN	11
First National Bank	13605 27th Ave N	Plymouth	MN	11
First National Bank	2457 Broadway Ave	Slayton	MN	11
First National Bank	208 N Broadway St	Spring Valley	MN	11
First National Bank	200 E Main St	Ramona	SD	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.