First National Bank
Oldham, SD · Cert 25894 · Peer group: banks under $1B in assets operating regionally (n=94) · Fulda Bcorp Inc.
National charter · OCC · 12 branches
Q2 2026
$477.8MAssets
$367.3MLoans
$380.1MDeposits
$86.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets operating regionally (rank 1 of 94).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets operating regionally (rank 94 of 94).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
2.16%
Rank 3 of 94
Net Interest Margin
7.43%
Rank 1 of 94
Efficiency Ratio
45.73%
Rank 5 of 94
Equity / Assets
18.11%
Rank 2 of 94
Non-interest income vs. expense
Unfavorable gap of $9.4M · efficiency ratio beats 96% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.16% | 0.82% | 1.19% | 1.46% | Beats 97% | 3 / 94 | | |
| Return on Equity | 11.95% | 7.85% | 11.84% | 14.03% | Beats 53% | 44 / 94 | | |
| Net Interest Margin | 7.43% | 3.42% | 3.81% | 4.18% | Beats 99% | 1 / 94 | | |
| Efficiency Ratio | 45.73% | 55.99% | 62.41% | 73.02% | Beats 96% | 5 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.01% | 0.19% | 0.47% | 1.14% | Beats 11% | 85 / 94 | | |
| Net Charge-Offs / Loans | 2.56% | 0.00% | 0.02% | 0.05% | Beats 1% | 94 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 22.81% | 10.28% | 11.95% | 15.07% | Beats 95% | 5 / 94 | | |
| Total Risk-Based Capital Ratio | 24.12% | 10.31% | 12.59% | 15.88% | Beats 95% | 5 / 94 | | |
| Equity / Assets | 18.11% | 8.98% | 10.21% | 11.41% | Beats 98% | 2 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.64% | 72.62% | 84.44% | 94.55% | 78th pctl | 21 / 94 | | |
| Loans / Assets | 76.88% | 62.50% | 72.84% | 78.99% | 66th pctl | 32 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |