What is First National Bank in Philip's financial health grade?

First National Bank in Philip has a TFS Financial Health Grade of C+ (score: 79.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First National Bank in Philip have?

First National Bank in Philip has 2 branch locations across the United States.

Is First National Bank in Philip FDIC insured?

Yes, First National Bank in Philip is FDIC insured (Certificate #3999).

What are the total assets of First National Bank in Philip?

First National Bank in Philip has total assets of $503.6M as reported in its most recent FDIC filing.

First National Bank in Philip

BankPhilip, South Dakota

www.fnbphilip.com

Total Assets

$503.6M

Total Deposits

$445.8M

Branches

Established

1906

TFS Health Grade

C+

79.0 / 100

Average financial health

How we grade

First National Bank in Philip is a bank headquartered in Philip, South Dakota, established in 1906. With $503.6M in total assets and 2 branch locations, it has a TFS Financial Health Grade of C+ (79.0/100).

Capital & Safety

Tier 1 Capital Ratio

11.33%(8%)

Total Capital Ratio

16.85%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

1.83%(1%)

Return on Equity (ROE)

16.85%(10%)

Net Interest Margin

3.42%

Efficiency Ratio

44.26%(60%)

Lending & Liquidity

Total Loans

$269.0M

Loan-to-Deposit Ratio

59.49%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+18.47%

Deposit Growth (YoY)

+18.52%

Net Income

$7.9M

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 Bank in PhilipHQ	103 E Oak Street	Philip	SD	11
First National Bank in Philip	127 Main St	Faith	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.