First Dakota National Bank
Yankton, SD · Cert 4028 · Peer group: banks $1B-$10B in assets (n=311-317) · First Dakota Financial Corp.
National charter · OCC · 17 branches
Q2 2026
$3.4BAssets
$2.9BLoans
$3.0BDeposits
$333.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks $1B-$10B in assets (rank 41 of 317).
- Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets (rank 300 of 317).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.64%
Rank 66 of 317
Net Interest Margin
3.73%
Rank 95 of 317
Efficiency Ratio
54.51%
Rank 106 of 317
Equity / Assets
9.82%
Rank 189 of 317
Non-interest income vs. expense
Unfavorable gap of $50.3M · efficiency ratio beats 67% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.93% | 1.22% | 1.51% | Beats 79% | 66 / 317 | |
| Return on Equity | 16.68% | 8.63% | 11.43% | 14.48% | Beats 87% | 41 / 317 | |
| Net Interest Margin | 3.73% | 3.06% | 3.45% | 3.83% | Beats 70% | 95 / 317 | |
| Efficiency Ratio | 54.51% | 51.90% | 59.69% | 67.53% | Beats 67% | 106 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.24% | 0.51% | 1.14% | Beats 69% | 98 / 311 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 86% | 46 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 10.40% | 11.75% | 13.15% | 15.30% | Beats 8% | 291 / 317 | |
| Total Risk-Based Capital Ratio | 10.40% | 12.63% | 14.21% | 16.26% | Beats 5% | 300 / 317 | |
| Equity / Assets | 9.82% | 9.06% | 10.32% | 11.95% | Beats 40% | 189 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 97.03% | 76.63% | 88.04% | 95.67% | 79th pctl | 66 / 312 | |
| Loans / Assets | 84.72% | 65.41% | 74.05% | 79.71% | 91st pctl | 30 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |