Yankton, SD · Cert 4028 · First Dakota Financial Corp.
National charter · OCC · 17 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
78
Profitability
79
Liquidity
33
Efficiency
65
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Yankton, SD · Cert 4028 · First Dakota Financial Corp.
National charter · OCC · 17 branches
Q2 2026
Market Position · Sioux Falls, SD-MN · 2026 SOD (annual) · 0.1% share · #8 of 42 inst. · $1.2B of $1127.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 1.12% | 1.17% | 1.26% | 1.32% | 1.38% | 1.49% | 1.68% | +42 bps | |
| Return on Equity | 11.88% | 12.73% | 12.63% | 13.50% | 14.02% | 14.60% | 15.54% | 17.36% | +386 bps | |
| Net Interest Margin | 2.90% | 2.99% | 3.37% | 3.41% | 3.41% | 3.40% | 3.62% | 3.73% | +33 bps | |
| Efficiency Ratio | 63.68% | 62.61% | 57.45% | 56.92% | 57.44% | 58.05% | 57.49% | 54.51% | -241 bps | |
| Non-Interest Burden | 1.47% | 1.48% | 1.43% | 1.47% | 1.49% | 1.51% | 1.56% | 1.50% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.67% | -0.70% | 3.28% | 6.03% | 8.42% | 11.23% | 9.92% | 10.79% | +476 bps | |
| Loan Growth (YoY) | 1.86% | 4.55% | 7.49% | 8.72% | 13.35% | 13.49% | 14.03% | 11.83% | +311 bps | |
| Deposit Growth (YoY) | 0.30% | -1.69% | 2.37% | 5.01% | 7.18% | 8.17% | 9.46% | 8.15% | +314 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.44% | 0.49% | 0.40% | 0.37% | 0.36% | 0.39% | 0.30% | -9 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | -0.05% | -0.02% | -0.01% | 0.03% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.24% | 1.22% | 1.27% | 1.29% | 1.19% | 1.12% | 1.12% | 1.12% | -17 bps | |
| Allowance Coverage of NPLs | 1.9x | 2.8x | 2.6x | 3.2x | 3.2x | 3.1x | 2.9x | 3.7x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.90% | 9.95% | 10.12% | 10.18% | 10.27% | 10.05% | 10.18% | 10.40% | +22 bps | |
| Total Risk-Based Capital | 12.37% | 12.16% | 12.34% | 12.27% | 12.23% | 11.92% | 12.10% | 10.40% | -187 bps | |
| Equity / Assets | 9.28% | 9.19% | 9.34% | 9.51% | 9.69% | 9.49% | 9.68% | 9.82% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.04% | 92.03% | 91.24% | 93.84% | 95.22% | 96.56% | 95.05% | 97.03% | +319 bps | |
| Liquid Assets / Assets | 1.03% | 0.22% | 1.69% | 0.13% | 0.12% | 0.51% | 0.39% | 0.10% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 397% | 402% | 403% | n/a | n/a | |
Yankton, SD · Cert 4028 · Peer group: banks $1B-$10B in assets (n=322-328) · First Dakota Financial Corp.
National charter · OCC · 17 branches
Q2 2026
Return on Assets
1.64%
Rank 68 of 328
Net Interest Margin
3.73%
Rank 95 of 328
Efficiency Ratio
54.51%
Rank 115 of 328
Equity / Assets
9.82%
Rank 194 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.91% | 1.22% | 1.52% | Beats 79% | 68 / 328 | ||
| Return on Equity | 16.68% | 8.43% | 11.45% | 14.43% | Beats 88% | 41 / 328 | ||
| Net Interest Margin | 3.73% | 3.03% | 3.45% | 3.83% | Beats 71% | 95 / 328 | ||
| Efficiency Ratio | 54.51% | 51.61% | 59.56% | 67.53% | Beats 65% | 115 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.30% | 0.24% | 0.51% | 1.03% | Beats 68% | 104 / 322 | ||
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 87% | 46 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.40% | 11.75% | 13.15% | 15.47% | Beats 8% | 302 / 328 | ||
| Total Risk-Based Capital Ratio | 10.40% | 12.63% | 14.15% | 16.46% | Beats 5% | 311 / 328 | ||
| Equity / Assets | 9.82% | 9.15% | 10.33% | 12.01% | Beats 41% | 194 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 97.03% | 76.63% | 87.92% | 95.36% | 79th pctl | 67 / 323 | ||
| Loans / Assets | 84.72% | 65.18% | 74.15% | 79.98% | 90th pctl | 33 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||