First National Bank in Philip
Philip, SD · Cert 3999 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Philip Bcorp Inc.
National charter · OCC · 2 branches
Q2 2026
$458.4MAssets
$281.1MLoans
$400.6MDeposits
$51.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets operating in a single state (rank 10 of 746).
- Widest gap: net interest margin trails 65% of banks under $1B in assets operating in a single state (rank 484 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.84%
Rank 75 of 746
Net Interest Margin
3.40%
Rank 484 of 746
Efficiency Ratio
34.98%
Rank 10 of 746
Equity / Assets
11.25%
Rank 300 of 746
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 99% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.84% | 0.72% | 1.06% | 1.45% | Beats 90% | 75 / 746 | | |
| Return on Equity | 16.35% | 6.74% | 10.51% | 13.63% | Beats 89% | 83 / 746 | | |
| Net Interest Margin | 3.40% | 3.17% | 3.68% | 4.16% | Beats 35% | 484 / 746 | | |
| Efficiency Ratio | 34.98% | 55.74% | 64.58% | 75.47% | Beats 99% | 10 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 86% | 107 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 75% | 192 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.39% | 11.55% | 13.75% | 17.60% | Beats 65% | 264 / 746 | | |
| Total Risk-Based Capital Ratio | 16.46% | 11.71% | 14.33% | 18.43% | Beats 66% | 250 / 746 | | |
| Equity / Assets | 11.25% | 8.90% | 10.51% | 13.06% | Beats 60% | 300 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.18% | 61.31% | 78.27% | 90.78% | 36th pctl | 480 / 746 | | |
| Loans / Assets | 61.33% | 53.60% | 66.97% | 76.08% | 38th pctl | 466 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |