First National Bank in Sioux Falls, The
Sioux Falls, SD · Cert 4016 · Peer group: banks $1B-$10B in assets (n=322-328) · Minnehaha Banshares Inc.
National charter · OCC · 18 branches
Q2 2026
$2.1BAssets
$1.6BLoans
$1.8BDeposits
$197.4MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 64% of banks $1B-$10B in assets (rank 117 of 328).
- Widest gap: equity / assets trails 71% of banks $1B-$10B in assets (rank 233 of 328).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.14%
Rank 189 of 328
Net Interest Margin
3.20%
Rank 213 of 328
Efficiency Ratio
62.97%
Rank 203 of 328
Equity / Assets
9.31%
Rank 233 of 328
Non-interest income vs. expense
Unfavorable gap of $35.6M · efficiency ratio beats 38% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.91% | 1.22% | 1.52% | Beats 42% | 189 / 328 | | |
| Return on Equity | 12.29% | 8.43% | 11.45% | 14.43% | Beats 57% | 142 / 328 | | |
| Net Interest Margin | 3.20% | 3.03% | 3.45% | 3.83% | Beats 35% | 213 / 328 | | |
| Efficiency Ratio | 62.97% | 51.61% | 59.56% | 67.53% | Beats 38% | 203 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.41% | 0.24% | 0.51% | 1.03% | Beats 61% | 128 / 322 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 37% | 205 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.96% | 11.75% | 13.15% | 15.47% | Beats 61% | 129 / 328 | | |
| Total Risk-Based Capital Ratio | 15.21% | 12.63% | 14.15% | 16.46% | Beats 64% | 117 / 328 | | |
| Equity / Assets | 9.31% | 9.15% | 10.33% | 12.01% | Beats 29% | 233 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.90% | 76.63% | 87.92% | 95.36% | 54th pctl | 147 / 323 | | |
| Loans / Assets | 74.94% | 65.18% | 74.15% | 79.98% | 54th pctl | 152 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |